Opay CreditMe is an instant overdraft solution made available to any OPay user to complete open transactions when the original OPay wallet is underfunded. Blue Ridge Microfinance Bank Limited operates this service.

Opay CreditMe

Sometimes, the money in our OPay wallets is not enough to complete online purchases and bills, creating situations that can lead to embarrassment, but with Opay Credit Me loan you’re good to go.

All you need to do is log into the OPay app and use the CreditMe option. Below are all the details you need to know about OPay CreditMe.


The CreditMe credit period is up to 19 days

  • No service costs
  • No collateral required
  • No paperwork
  • No guarantor needed
  • CreditMe loan is interest-free (you do not pay interest on the amount paid)
  • The maximum amount is N 100,000
  • CreditMe on Opay works for bills, airtime purchases, and so on.

How To Use The Service ?

How do I use The CreditMe feature on Opay? CreditMe makes it easy for OPay users to make payments for their cable TV subscriptions, electricity payments, etc., even if they don’t have the money in their wallets.

Many OPay users basically just do their basic OPay app transactions without exploring this CreditMe option, even if they are short on cash.

Below is the step-by-step procedure to access the CreditMe loan on Opay with ease.

  • Select the bills you want to pay
  • Enter the amount and your unique ID
  • Select CreditMe as the payment method (you will see your maximum available quota)
  • Agree to the CreditMe service contract
  • Pay with CreditMe

How to Make Repayment

Many users have already figured out how to apply for CreditMe loans from OPay but haven’t figured out how to repay those loans.

It is important to note that if you do not repay the loan within the specified 7-day period, your access to additional OPay CreditMe loans will be automatically blocked.

Below is a step-by-step guide to making CreditMe loan repayments easy, and interest-free.

  • Open your OPay app
  • Click on CreditMe
  • Select the “Refund” option
  • Submit


The Opay CreditMe service is super excellent and helpful. However, it only looks like a loan but it is not. Make sure to make regular translations on your Opay account and pay for it CreditMe back soon as possible.

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