Crc Credit Bureau API
Banking & Fintech
CRC Credit Bureau is one of Nigeria's three licensed credit bureaus (alongside FirstCentral Credit Bureau and Credit Registry Nigeria), operating under the CBN's Credit Reporting Act to maintain a database of the credit history of Nigerian individuals and businesses. CRC provides credit report and credit score APIs that allow Nigerian financial institutions, fintechs, and lenders to access a borrower's credit history including all existing loans, repayment behaviour, defaults, write-offs, and credit inquiries before making lending decisions.
Crc Credit Bureau API Highlights
Crc Credit Bureau API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
API Key
Enterprise SLAs with defined throughput. Rate limits based on agreement. Contact CRC for production rate limits.
Nigeria
Ghana
Kenya- Per-inquiry pricing for individual and commercial credit reports
- Volume discounts for high-volume lenders
- Monthly platform access fee may apply
- Contact CRC Credit Bureau for current pricing
Crc Credit Bureau API Core Features & Capabilities
Features Included
Not Supported
Required Access Documents for Crc Credit Bureau API
Different Crc Credit Bureau API use cases
- Credit Check Before Loan Approval for Nigerian Digital Lender:Query CRC Credit Bureau API during the loan application flow to pull the applicant's credit history and score detecting existing loan defaults, high indebtedness, or recent delinquencies that indicate high default risk before disbursing.
- BNPL Credit Assessment for Nigerian E-Commerce:Use CRC credit reports as one signal in the credit scoring model for a Nigerian Buy-Now-Pay-Later platform combining CRC's credit score with bank statement analysis and behavioral data for better approval rate optimization.
- CBN-Compliant Credit Reporting for MFB:Fulfill the CBN's mandatory credit bureau reporting obligation for a Nigerian microfinance bank submitting monthly loan performance data to CRC via API and checking CRC reports for new loan applications above the CBN threshold.
- SME Invoice Financing Credit Assessment:Pull CRC commercial credit reports during the onboarding of Nigerian SME borrowers on an invoice financing platform assessing the business's credit history, existing facilities, and director creditworthiness before offering financing.