Our dynamic credit scoring system rewards responsible farmers. Make payments on time and watch your score grow automatically.
Your Score
750
Our transparent system makes it easy to understand how your score is calculated and how to improve it.
For every payment you make on time, your credit score increases by 50 points automatically.
Maintain a 90%+ on-time payment rate and receive a 100-point bonus to your score.
Late payments deduct 20 points, but you can recover quickly with on-time payments.
Our system automatically triggers score updates whenever a payment
is processed. The formula is:
Credit Score = Previous + (On-time ? 50 : -20)
A higher credit score means better loan terms, lower interest rates, and access to larger amounts. Here's how our system benefits you.
Higher scores qualify for our best interest rates, saving you money over the life of your loan.
As your score grows, you become eligible for larger loan amounts.
Higher scores may qualify for instant approval on future loans.
Access longer repayment terms and more flexible options.
Best rates, highest limits, instant approval
Competitive rates, higher limits, fast approval
Standard rates, moderate limits
Higher rates, start building your score today
Follow these strategies to maximize your credit score growth.
Never miss a payment by enabling automatic payments. This ensures you always pay on time.
Don't wait until the due date. Paying early shows responsibility and protects against delays.
Keep your on-time payment rate above 90% to earn the 100-point bonus.
Check your dashboard regularly to track your score and see upcoming payments.
Current Score
750
+150 this month
On-Time Rate
95%
Bonus eligible!
Next Payment
₦45,000
Due in 5 days
Apply for a loan and begin your journey to financial growth. Every payment counts toward a brighter future.