Credolay Score turns the financial behaviour you already have — rent, mobile money, airtime, utilities — into a score that unlocks real lending opportunity.
For financially active Nigerians and Africans who lack a formal credit history, Credolay Score is the alternative credit intelligence platform that transforms the financial behaviour you already exhibit into a trusted, lender-ready score — so your mobile money transfers, rent payments, and daily transactions finally work for you, not against you.
The financial system was built for the formally employed. Credolay Score is built for everyone else — and it starts by listening to the data that already exists in their lives.
Every data source you connect adds weight, depth, and certainty to your score. We tell you exactly what's working and what to improve.