)))

rent line
account

Pay rent monthly. Not a year upfront.

Most Nigerian landlords still ask for 12 months at once. Credolay pays them in full today and lets you repay monthly — so your savings stay yours, and every payment builds your Credolay score.

Available for eligible renters and landlords in Nigeria.

The old way

₦2,000,000 upfront

With Credolay

₦168,000 /month

Apply now

Join renters building

verified rent history

Monthly, not yearlyCredit-buildingRent-to-own ready

Seize the rent.

RENT ACCOUNT

₦421,500

Next debit 1 Jul 2026 · ₦168,000

Equity

₦1.26M

Score

724

Autopay

✓June rent paidGTBank · Autopay−₦168,000

✓Equity contribution25% of June rent+₦42,000

Keep track more easily.

One app. Everything rent.

A premium rent account for payments, bills, landlord records, and your ownership plan.

✓Rent paymentsPay monthly or schedule autopay from your linked bank.

✓Bill bundlesAdd utilities and service charges into one cleaner monthly plan.

✓Landlord visibilityKeep receipts, lease terms, and payout status in one place.

Feel more in control.

Organised. Calm. Yours.

✓No 12-month lump sumCredolay pays your landlord in full; you repay monthly instead of draining savings once a year.

✓Know what you can affordSee rent, bills, and savings spaces before the month starts.

✓Relax about due datesAutopay, reminders, and payroll-linked rent help you stay on time.

✓Budget for ownershipEvery eligible payment can move you closer to rent-to-own.

See every feature

TOTAL IN SPACES

₦1.68M

Ring-fenced for rent, equity, and bills

Rent reserve

72% funded

₦336k

Buyout fund

26% funded

₦1.26M

Service charge

Fully funded

₦84.5k

Inside the app.

Watch your rent account move through the product.

Home, Spaces, and Credit cycle automatically — the same screens you will use after applying.

9:41

Good morning, Adaeze

2-Bedroom · Lekki Phase 1

RENT ACCOUNTAutopay on

₦0

Next debit 1 Jul 2026 · ₦168,000

Equity

₦1.26M

Score

724

Line

₦2M

Recent activity

See all

June rent paid1 Jun · GTBank ••87−₦168,000

Equity contribution25% of June rent+₦42,000

Credit score went upOn-time payment · +18 pts724

Home

Pay

Credit

You

Home

Account balance, autopay, and recent activity

Build with proof.

Your rent can become a financial signal.

Credolay turns payment behaviour into a clean score lenders, landlords, and property partners can understand.

724

Demo score

+18

This month

4 mo

On-time streak

₦2.0M

Rent line

OWNERSHIP PATH

₦1.26M equity built

✓June rentPaid on time₦168,000

✓Equity shareAdded to plan+₦42,000

✓Credit historyReported cleanly+18 pts

Ready to apply?

Good rent behaviour begins with four quick steps. Demo mode lets you explore renter and landlord dashboards instantly.

Start my application

Step One

Apply online.

Start from your phone or computer in minutes.

Step Two

Prove it's you.

Connect identity, income, and rent history.

Step Three

Get a score.

See your rent line and ownership options.

Step Four

Move forward.

Pay rent, build credit, and grow equity.

A rent account built for modern Nigeria.

Renters build proof. Landlords get cleaner payouts and faster turnarounds.

Open Credolay