Creditregistry API
Banking & Fintech
Credit Registry Nigeria (CRN) is one of Nigeria's CBN-licensed credit bureaus, established under the Credit Reporting Act 2017 to maintain a comprehensive database of the credit history of Nigerian borrowers individuals and businesses. Credit Registry provides APIs for credit history checks, credit score retrieval, and credit data submission used by Nigerian financial institutions and fintechs in their lending and risk management operations.
Creditregistry API Highlights
Creditregistry API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
API Key
Enterprise SLAs. Production rate limits based on contract. Contact Credit Registry for technical specifications.
Nigeria
Ghana
Kenya- Per-query pricing for credit reports and scores
- Monthly platform access fee
- Volume discounts for high-volume lenders
- Contact Credit Registry for current pricing
Creditregistry API Core Features & Capabilities
Features Included
Not Supported
Required Access Documents for Creditregistry API
Different Creditregistry API use cases
- Lending Decisioning for Nigerian Digital Lender:Query Credit Registry in the loan application flow to retrieve the applicant's credit score and full loan history identifying serial borrowers, over-leveraged applicants, and borrowers with existing defaults before disbursing new credit.
- Portfolio Risk Monitoring for Nigerian MFB:Enroll an existing loan portfolio in Credit Registry's portfolio monitoring service receiving automatic alerts when existing borrowers take new loans elsewhere, showing early signs of financial stress before missing the MFB's own repayments.
- SME Supply Chain Finance Risk Assessment:Pull Credit Registry commercial reports during onboarding of Nigerian SME suppliers on a supply chain finance platform assessing business and director creditworthiness to set appropriate financing limits.
- CBN-Compliant Bureau Reporting for Nigerian Fintech:Automate monthly credit bureau data submission from a Nigerian lending platform to Credit Registry via API meeting the CBN requirement for all licensed credit providers to report borrower repayment performance.