You are currently viewing Sharp Sharp Loan Code: Instant Loan Offer From Credit Direct

Sharp Sharp Loan Code: Instant Loan Offer From Credit Direct

If you wonder what the Credit Direct Sharp Sharp loan code is, then stay tuned to learn more

The official Sharp Sharp loan code is a four-digit figure that allows you to access loans fast and quickly from by dialing a USSD code

Irrespective of who you are, CreditDirect, has a loan package suitable for you to access its loan services.

With a simple registration process and minimal documentation, borrowers can apply for loans through the unique code

CreditDirect offers competitive interest rates and flexible repayment terms, making it an attractive option for those looking for hassle-free access to credit.

In this article, we will explore the basic requirement to access a loan on CreditDirect, learn if is approved by CBN to operate, and look into the various loan packages they offer.

Table of Contents


What is Sharp Sharp Loan

Sharp Sharp loan is a loan package designed by CreditDirect to cater to those working with the Federal or State government to access quick loans to cover unexpected or emergency expenses. 

This type of loan is usually short-term with loan tenors that range from 1 to 12 months (24 months in some locations)

No need for collateral or any significant documentation just a submission of the prerequisites loan agreement as discussed below 

With a commitment to customers, you will enjoy no pre-liquidation charges, exceptional customer service, and quick turnaround time.

Requirements To Access Credit Direct Sharp Sharp Loan

  • Completed Loan Agreement Form which can be accessed here and attached passport photo
  • Letter of Introduction & Employment/Confirmation letter to prove your work with govt (Federal or state)
  • You will also provide a Guarantor, Proof of residence, Proof of earnings & Post Dated Cheques.
  • A valid means of identification will also be required – Driver’s ID, National ID, or International passport.
  • Work ID & Bank Statements/Pay Slips.

Note: You enjoy fund disbursement directly to your bank account or via CDL Cash Card once approved.


Sharp Sharp Loan Code By CreditDirect

sharp sharp loan code


The official USSD loan code to access Credit Direct sharp sharp loan is *5120# 

Anybody can use this code to access a quick loan on the platform

To get started, dial the code *5120#  on your phone and follow the prompt 


Is CreditDirect Approved By CBN

CreditDirect is approved by CBN and listed among the CBN-licensed finance companies in Nigeria since 2021

Its physical address is located at 48/50 ISAAC JOHN STREET, IKEJA LAGOS with company RC No. 657309


CreditDirect Loan Packages

1. Sharp sharp Loan 

As discussed above, this loan package is designed for salaried employees in the Federal or State government sector. More on the requirements to access the loan above

2. Cash to Go

This is a quick loan package designed for the private sector with loan tenors that range from 3, 6, 9, and 12 months

Requirements To Access Cash To Go Loan

  • 1 Passport Picture.
  • Staff Identity Card.
  • Employment Letter and Last Salary Review Letter.
  • Valid means of ID ( National ID Card, Voters card, Driving license, and International passport).
  • 3 months stamped bank statement (Up to Date)
  • Pension Statement(For current account holders).
  • Postdated Cheques Covering Loan Tenor.
  • Bank Verification Number.
  • Signed and updated Direct Debit Mandate.

3. Asset Finance

This is designed for those who want to start a business or to upgrade their home with the latest gadgets including white goods, income-generating assets (ice-makers, grinding machines, etc.), and household equipment.

Requirements To Acces Asset Loans

  • Completed the Loan Agreement Form and attached my passport photo.
  • Letter of Introduction.
  • Appointment letter.
  • Confirmation letter.
  • Staff ID card and any other Valid ID.
  • 3 months consecutive payslips and bank statements.
  • CDL Introduction Letter.

4. Empower the Corps

This is designed for service corp members to access the easy loan. These loans are Collateral Free which helps coppers grow a business mindset while they prepare for entrepreneurship.

Requirements To Access Copper’s Loans

  • Photo of NYSC Identity card.
  • Photo of attestation letter from SAED.
  • Photo of Corps member’s face.
  • Photo of Corps member wearing full NYSC regalia.
  • Photo of valid ATM card of corps members NYSC account.
  • Photo of completed letter of undertaking clearly signed and dated by a corps member.

How To Contact CreditDirect

CreditDirect can be reached through any of the following

  • The official contact page on their website
  • WhatsApp No: 09070309430 (WHATSAPP)
  • Email: [email protected]
  • Social Media: Facebook, Twitter, Instagram, Linkedin
  • Physical Address: 48/50 Isaac John Street, GRA, Ikeja, Lagos, Nigeria.


CreditDirect Frequently Asked Questions

  1. What is
  2. is an online lending platform that offers personal loans to individuals or businesses in Nigeria.


  1. How does work?
  2. To apply for a loan go online using, visit their office at 48/50 Isaac John Street, Ikeja GRA, or call directly at by Telephone – 0700creditdirect


  1. What types of loans are available on
  2. offers, personal loans, salary advance loans, and small business loans.


  1. What are the requirements for applying for a loan on
  2. To apply for a loan on, you need to be a Nigerian citizen, have a valid bank account, provide a government-issued ID, and have a stable source of income.


  1. How long does it take to get a loan on
  2. It takes 24 hours or less for to process your loan application, and once approved, the loan amount is disbursed within 24 hours.


  1. What is the interest rate for loans on
  2. The interest rates for loans on vary depending on the loan type and amount, but they range from 5% to 30% per annum.


  1. Is my personal information safe with
  2. Yes, takes the security and privacy of your personal information seriously and uses advanced encryption technology to protect your data.


  1. How do I repay my loan on
  2. You can repay your loan on using their online payment portal, mobile app, or by making a bank transfer.


  1. What happens if I am unable to repay my loan on
  2. If you are unable to repay your loan on, they will charge late payment fees and report the default to credit bureaus, which may negatively affect your credit score.


  1. Can I apply for a loan on if I have a bad credit score?
  2. Yes, considers loan applications from individuals with bad credit scores, but the interest rates may be higher than those for individuals with good credit scores.


  1. What is the minimum and maximum amount I can borrow?
  2. We offer from NGN100,000 to NGN2,500,000

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Sharp Sharp Loan program is a vital resource for those who need financial support and want to improve their financial situation in the government sector.

With available of other loan packages, irrespective of what you need a loan for, you are covered

Through a simple application process and online form submission, you can obtain the funds you need quickly and efficiently, allowing you to focus on achieving your goals and improving your financial well-being.


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This Post Has 4 Comments

  1. Ali sokoto

    Am federal government worker bot am retaryed am pensioner who can I get it?

    1. ShopOnlineG

      Depending on the loan package you want to go for. You will need some prerequisites as outlined above

  2. Ali sokoto

    Am pensioner who can I get the loan

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