Revolutionizing Africa's Asset Financing.
Credlock empowers businesses across Africa with seamless device financing infrastructure, unlocking new revenue streams while making technology accessible to millions.
A Product Ecosystem Built for African Scale
Tailor-made solutions addressing the unique challenges of device financing in Africa
Smartphone
Credlock provides a convenient way for merchants to sell smartphones through flexible payment plans, secured by advanced technology that controls device access until the loan is fully repaid.
Solar
Credlock enables customers to invest in solar energy with affordable financing options, allowing them to spread the cost of solar products over time, making renewable energy more accessible for homes and businesses.
FoodFlex
Eat now, pay later. Foodlex provides a convenient way for restaurants to offer meals through flexible payment plans, secured by our innovative platform that ensures a seamless experience for both diners and food businesses until the payment is complete.
Laptop Financing
Enable students and remote workers to access computing power affordably with flexible lease terms and built-in security measures ensuring proper usage and timely payments.
Inventory Credit
Let merchants finance their device stock with flexible inventory financing options, allowing retailers to expand their product offerings without significant upfront capital.
Credlock API
A developer-ready interface for banks, lenders, and fintechs to integrate BNPL & device control technology into their existing platforms with comprehensive documentation and support.
Powerful Tech Under the Hood
Our comprehensive suite of features empowers merchants and financial institutions
Device Locking SDK
Proprietary technology enabling remote device locking for secure asset financing with configurable access policies.
Mobile App for Merchants
Comprehensive mobile application for merchants to manage customers, process loans, and track performance on-the-go.
Real-time Credit Scoring
Advanced algorithms assessing customer creditworthiness instantly, enabling fast loan approvals with confidence.
Recovery Workflow Automation
Automated processes for handling late payments, reminders, and recovery protocols to maximize loan repayment.
Multi-tier Repayment Options
Flexible payment structures tailored to different customer segments and product categories for maximum accessibility.
Customer KYC & Verification
Streamlined identity verification processes ensuring regulatory compliance while simplifying customer onboarding.
Boost Your SalesWithout Financial Risk
Credlock's business app enables smartphone retailers and foodflex vendors to offer financing options without using their own capital. We provide the financing, you make more sales.
Zero-Risk BNPL Integration
Offer payment plans to customers with no financial risk - Credlock provides all the financing
Instant Payments for Vendors
Get paid immediately while Credlock handles customer installments for smartphone and food purchases
Seamless Customer Experience
Connect your customers to instant financing with a quick 2-minute application process
No Collection Headaches
Focus on your business while Credlock manages all customer payments and collections
Sale Completed
₦450,000 • Paid in full to you
Join Africa's Fastest-Growing Device Financing Marketplace
Connect with thousands of merchants and customers across the continent who are transforming how mobile assets are financed.
How Credlock Changes Lives
Real stories from our ecosystem showing how device financing creates opportunities for businesses and individuals across Africa.
A Mobile Retailer's Growth Story
Maxwell Communications in Osun state doubled their sales within 3 months of joining Credlock's marketplace, expanding from one to three locations thanks to increased customer financing options.
A Student's Access to Computing
University student Amina couldn't afford a laptop upfront, but with Credlock's financing, she secured a device that helped her complete her computer science degree.
A Family's Power Solution
The Adeyemi family faced unreliable grid electricity for years until Credlock's solar financing helped them install a reliable home system with affordable monthly payments.
What Our Partners Say
Success stories from merchants, financial institutions, and customers
“Since joining Credlock Marketplace, my sales have doubled! The platform is incredibly user-friendly, and my shop assistants can easily initiate loan requests using the Credlock Mobile App. I highly recommend this marketplace to anyone serious about growing their mobile asset retailing business.”
“Joining Credlock Marketplace was the best decision for my business. My business literally changed overnight. The support from the team has been second to none. I used to run my business alone, but now I feel like I have an entire team dedicated to helping me succeed. Thank you, Credlock!”
“I can't believe how much my sales have improved since I started using Credlock Marketplace. The platform is fantastic, and the results speak for themselves! In just three months, my sales have increased by 75%, and the streamlined loan request process has significantly boosted customer satisfaction.”
Trusted by Leading Institutions
Credlock works with banks, fintechs, telcos, and solar companies across Africa to enable secure asset financing.
Ready to Scale Your Business with Credlock?
Join thousands of merchants growing their revenue with smart credit tools.
Got Questions? We've Got Answers
Everything you need to know about Credlock and our device financing solutions.
Still have questions? We're here to help.
Contact Support