FG Loan for Laptops, Smartphones: How to Apply for the CREDICORP Consumer Credit Scheme in 2026

FG Loan for Laptops

The Federal Government of Nigeria has officially opened applications for its Consumer Credit Scheme for Digital Devices, giving eligible Nigerians the opportunity to acquire laptops, smartphones, tablets, and other digital devices through affordable repayment plans instead of making full upfront payments. The initiative is being implemented by the Nigerian Consumer Credit Corporation (CREDICORP) in partnership with the Federal Ministry of Communications, Innovation and Digital Economy.

Known as the Credit for Laptops, Internet, Connectivity and Knowledge Digital Devices (C.L.I.C.K.D.) Programme, the scheme is designed to improve digital inclusion, support learning, enhance productivity, and enable more Nigerians to participate in the digital economy.

What is the FG Loan for Laptops Scheme?

The FG Loan for Laptops Loan Scheme is a consumer credit initiative that allows Nigerians to purchase digital devices through structured instalment payments rather than paying the full amount at once.

The programme aims to:

• Increase access to laptops and smartphones.
• Support students and digital professionals.
• Help freelancers and remote workers acquire essential work tools.
• Promote local manufacturing by prioritising locally assembled laptops.
• Expand financial inclusion through responsible consumer credit.

Devices Covered Under the Scheme

Eligible applicants can indicate interest in financing for:

• Laptops
• Smartphones
• Tablets
• Other approved digital devices

These devices are intended to support education, work, entrepreneurship, software development, digital content creation, and skills acquisition.

Who Can Apply?

The application form currently caters to various categories of Nigerians, including:

• Salary earners
• Business owners
• Freelancers
• Self-employed professionals
• Students
• Job seekers
• NYSC members

During the pilot phase, the programme is focused on selected participants, particularly fellows of the Federal Government’s 3 Million Technical Talent (3MTT) Programme. The application portal also includes participants from other digital talent programmes, such as:

• ALX Africa
• AltSchool Africa
• HNG Internship
• Andela Learning Community
• Learn2Earn
• Genesys Tech Hub

The government is expected to expand the programme as implementation progresses.

Benefits of the C.L.I.C.K.D. Programme

Successful applicants may enjoy several benefits, including:

• Affordable repayment plans.
• Access to quality digital devices.
• Improved opportunities for remote work.
• Enhanced digital learning.
• Support for entrepreneurship.
• Better access to online certifications.
• Increased participation in Nigeria’s digital economy.

The initiative also supports the Federal Government’s broader goal of strengthening digital inclusion and expanding access to responsible consumer credit.

How to Apply for the FG Laptop Loan

Follow these steps to register your interest:

Step 1: Visit the Official Portal

Go to the official CREDICORP application portal:

https://credicorp.ng/credit

or the dedicated C.L.I.C.K.D. interest page:

C.L.I.C.K.D. interest page

Step 2: Complete the Interest Form

You will be asked to provide information such as:

• State of residence
• Employment status
• Monthly income (optional)
• Digital talent programme (if applicable)
• Device you need
• Purpose of the device
• Contact information

Step 3: Submit Your Application

After reviewing your information and providing the required consent, submit the form. Applicants who meet the programme’s requirements may be contacted for the next stage of the process.

Documents You May Need

While specific documentation may vary during verification, applicants should be prepared with:

• Valid means of identification
• Phone number
• Email address
• Proof of employment or income (where applicable)
• Student or NYSC details (if applicable)

Additional requirements may be requested by participating financial institutions during the approval process.

Important Things to Know

Before applying, keep the following in mind:

• Registration through the interest portal does not automatically guarantee approval.
• Loan terms, repayment period, and any applicable charges may differ depending on the participating financial institution.
• The programme is expected to expand gradually to accommodate more eligible Nigerians.
• Always apply only through official CREDICORP channels to avoid scams.

Frequently Asked Questions (FAQs)

Is the FG laptop loan free?

No. It is a consumer credit scheme, meaning approved applicants acquire devices through structured repayment plans rather than paying the full amount up front.

Can students apply?

Yes. Students are among the categories listed on the application form, although approval depends on programme criteria and rollout phases.

Can freelancers apply?

Yes. Freelancers and self-employed individuals are included among the applicant categories.

Are smartphones included?

Yes. Applicants can express interest in financing for smartphones, laptops, tablets, and other approved digital devices.

Final Thoughts

The FG Loan for Laptops and Smartphones through the CREDICORP Consumer Credit Scheme is a significant opportunity for Nigerians who need digital devices for education, remote work, business, and skills development but may not be able to pay the full purchase price upfront.

If you meet the eligibility requirements, submit your application through the official CREDICORP portal and monitor updates as the programme expands to more beneficiaries.

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