Credit VetoCredit Veto

Every Feature You
Need to Build Credit

Over 60% of Nigerians have no credit history. CreditVeto is changing that by turning everyday bill payments into a powerful credit profile.

Download on App Store Get it on Google Play
CreditVeto features
Credit Score Engine

Credit Score Engine

Our proprietary algorithm calculates your creditworthiness based on bill payment consistency, amount, diversity, and history.

Real-time score updates
300-850 score range
Detailed score breakdown
Historical tracking

Universal Bill Payments

Pay 50+ bill categories from a single wallet. Electricity, rent, airtime, internet, cable TV, subscriptions, and much more.

50+ bill categories
Instant payment confirmation
Payment receipts & history
Multi-provider support
Universal Bill Payments
Cashback Rewards

Cashback Rewards

Earn real naira cashback on every bill payment. Your cashback rate increases as you climb spend tiers — up to 5%.

Up to 5% cashback
Instant wallet credit
No minimum threshold
Tier-based rates

Credit Marketplace

Access pre-approved financial products based on your CreditVeto score — loans, BNPL, rentals, insurance, and more.

Pre-approved offers
Multiple lender partners
Score-based pricing
Instant applications
Credit Marketplace

Common Questions

Credit Veto Africa is a financial technology platform that empowers "credit-invisible" Nigerians to build a verified financial identity through everyday bill payments. By aggregating payments for rent, utilities, airtime, and data, Credit Veto generates the Credit Veto Score and a credit visibility report used to unlock opportunities.