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How do I apply for a Fido credit?

To apply for a Fido credit, kindly follow these steps:


  1. Install the Fido App from the Google Play Store and Apple App Store using this link: DOWNLOAD 
  2. Register your Fido Account by providing a valid mobile number, then wait for the one-time code we will send to your phone number to verify it.
  3. Set a 4-digit pin code that will be used every time you log into Fido. Make sure it’s a number you will remember.


  1. Verify your identity by selecting ‘Draw now’ to go through a quick verification process.
  2. Allow camera permission on your phone and submit a selfie from the Fido App. Make sure to follow the instructions on the screen for a successful selfie capture. Check out our selfie guidelines.
  3. Next, take both front and back photos of your National ID Card, making sure your card details are visible and fit in the frame provided.
  4. Check the National ID Card number that is extracted from the photo to be sure it is correct and in this format:   CM96000000EPWA.
  5. Then submit your address details to complete your account verification.

More about account verification

Request Credit

  1. From the Home Page of the app, select ‘Draw now’.
  2. After KYC you calculate your Fido score by answering the questions that follow to receive your Fido credit score. After you have received your score you can now go ahead and request credit or draw from your approved credit limit.
  3. Accept and approve all permission requests.
  4. Select your credit amount, and then the credit term. You can choose between 10-33 days for the credit term.
  5. Complete the questions that follow to help us evaluate and approve your credit request, then submit.
  6. If your application is successful, you will need to accept the terms of the credit.
  7. Lastly, add a payment method to tell us which account the credit should be sent to. That’s it…you’re done! Remember that the payment account you add must be registered in your name.

Learn more about payment methods

Remember that the only way to apply for a Fido credit is through the Fido App (it's absolutely free). This process cannot be influenced by anyone. You should not pay money to anyone under any circumstances to get a Fido credit. Fido will never ask for any form of cash deposit before processing your credit.

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