CreditChek API

Lending & Credit · Identity Verification & KYC · Data Validation

CreditChek is a credit assessment and fraud verification platform that helps African businesses verify customer creditworthiness, identity, and income in real time before extending credit, onboarding merchants, or renting properties. Founded in Nigeria by Kingsley Ibe and Lionel Orishane, CreditChek aggregates data across banking statements, credit bureaus, telecommunications, and government registries into one simple REST API.

CreditChek API Highlights

CreditChek API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.

Authentication

API Key (Bearer Token)

Rate Limit

Standard 60 requests/minute on developer tier; scalable for production

Sandbox Mode
✓ Available
Webhooks
✓ Supported
Supported Regions
NigeriaNigeriaGhanaGhanaKenyaKenya
CreditChek API Services
Credit Bureau Checks & ScoringIdentity Verification & KYCBank Statement Parsing & AnalysisWebhooks & Real-time Notifications
Alternative African Company to
VeriffSumsubJumioTrulioo

CreditChek API is best for:

Fintech lenders, proptech companies, asset financing platforms, and car leasing businesses needing quick credit checks and borrower verification.

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API Pricing Model
  • Pay-as-you-go per check or monthly subscription packages
  • BVN/NIN verification from ₦50/call; Credit bureau consolidated reports from ₦250 ₦500/call

CreditChek API Core Features & Capabilities

CreditChek API Supported Webhook Events

Webhooks supported (Webhooks & Real-time Notifications). Check official documentation for endpoint setup.

Required Access Documents for CreditChek API

  • Business Registration (CAC)Required
    Valid Nigerian corporate registration certificate.
  • Lending or Tenant Screening License / PurposeRequired
    Legitimate purpose declaration for querying credit bureau data under CBN guidelines.

Different CreditChek API use cases

  • Digital Loan Pre-Qualification:Filter out chronic loan defaulters before issuing offers by checking real-time credit bureau records during registration.
  • Tenant Credit & Background Screening:Enable property tech platforms and real estate agencies to verify rental applicant income and credit score.

CreditChek API Alternatives