ABUJA, Nigeria — Nigerians can now register for a new federal consumer-credit programme offering laptops, smartphones, tablets and other digital tools through instalment payments.
The initiative, known as C.L.I.C.K.D., allows approved applicants to obtain devices without paying the entire purchase price at once.
The Nigerian Consumer Credit Corporation is administering the scheme with the Federal Ministry of Communications, Innovation and Digital Economy.
Applications are being accepted through CREDICORP’s official online portal, although the programme’s first distribution phase is focused on participants in the Federal Government’s Three Million Technical Talent programme.
The scheme was formally introduced in Abuja on Tuesday, July 21, 2026, by Bosun Tijani, the minister of communications, innovation and digital economy, and Uzoma Nwagba, CREDICORP’s managing director and chief executive.
First 1,000 Devices Reserved for Pilot
C.L.I.C.K.D. stands for Credit for Laptops, Internet, Connectivity and Knowledge Devices.
Its initial rollout will provide 1,000 locally assembled laptops to qualifying digital-skills trainees across Nigeria.
Seventy-seven recipients collected devices during the Abuja launch, with the remaining laptops expected to be distributed in subsequent phases.
The pilot is being conducted through the 3MTT programme, which was established to train Nigerians in technical and digital skills.
CREDICORP describes 3MTT as the launch partner for the first national phase.
Fidelity Bank is serving as the credit-administration partner, while the National Agency for Science and Engineering Infrastructure and Imose Technologies are involved in producing the laptops locally.
“Nigeria’s digital economy can only thrive when our people have both the skills and the tools to succeed. Through C.L.I.C.K.D., we are helping qualifying Nigerians participate more fully in the opportunities created by the 3MTT initiative while strengthening local manufacturing through the use of locally assembled devices,” Tijani said.
The government expects the programme to grow beyond laptops and eventually cover a broader range of internet-enabled equipment and services.
Registration Open Beyond Salary Earners
The CREDICORP application form accepts expressions of interest from people in all 36 states and the Federal Capital Territory.
Applicants are asked to identify themselves as salary earners, freelancers, self-employed workers, business owners, students, job seekers or members of the National Youth Service Corps. Providing monthly income is optional.
The form asks applicants whether they participate in a digital talent programme.
The listed options include 3MTT, Andela Learning Community, Learn2Earn, ALX, HNG Internship, AltSchool Africa and Genesys Tech Hub.
The presence of those programmes on the form does not mean that every participant will receive a device during the current 1,000-laptop pilot.
CREDICORP’s public description identifies 3MTT as the first-phase partner, while the wider form appears intended to build a pool of prospective beneficiaries for later expansion.
CREDICORP has described the initiative more broadly as open to working Nigerians nationwide, suggesting that eligibility will widen as more lenders, manufacturers, training organisations and technology suppliers join the programme.
How to Submit an Application
Prospective applicants must first open the C.L.I.C.K.D. page on CREDICORP’s website and select the “I’m Interested” option, which leads to an expression-of-interest form.
The form requires a first name, surname, email address, telephone number, state of residence and local government area.
Applicants must then state their employment category and indicate whether they belong to a recognised digital training programme.
They can request a laptop, smartphone, tablet or another type of device. The form also asks how the equipment would be used, with options including education, professional certification, remote work, freelancing, business development, software creation and content production.
Before submitting the application, each person must confirm that the information supplied is accurate, agree to be contacted and permit CREDICORP and its partners to use the information when evaluating eligibility.
Submitting the form is an expression of interest, not an automatic loan approval or guarantee that an applicant will receive a device.
Repayment Terms Not Yet Published
CREDICORP says approved users will make payments over time through participating financial institutions and that repayment plans will take borrowers’ income circumstances into account.
The publicly available portal does not yet state the interest rate, repayment period, required deposit, credit limit or exact retail prices of the devices.
It also does not explain whether different employment groups will face different credit assessments or whether applicants must provide payslips, bank statements, identification records or guarantors at a later stage.
Those details are likely to be supplied to applicants who advance beyond the initial registration process.
Nwagba said the programme was intended to turn access to technology into a pathway for employment and enterprise rather than a barrier created by high upfront prices.
“C.L.I.C.K.D. transforms digital devices from a barrier into an opportunity. By embedding affordable consumer credit into a national talent programme like 3MTT, starting with locally assembled laptops, we are giving qualifying Nigerians a responsible pathway to the tools they need to learn, work and earn, while advancing the Federal Government’s vision for industrial development and job creation on both sides,” he said.
Credit Programme Supports Local Manufacturing
The government is using the scheme to pursue two objectives: expanding access to consumer credit and creating demand for devices assembled in Nigeria.
CREDICORP said locally produced equipment would be prioritised as the programme grows, allowing purchases made through the credit scheme to support Nigerian manufacturers and technology companies.
The corporation has invited additional financial institutions, device makers and vendors to participate.
It said it would also work with the Central Bank of Nigeria, training providers and other partners to extend the programme beyond the first 3MTT recipients.
CREDICORP was created to widen access to formal consumer finance. By February 2026, the corporation had facilitated more than ₦37 billion in credit for over 200,000 Nigerians, according to the Presidency. More than half of those beneficiaries were using formal credit for the first time.
The government has set a longer-term objective of making consumer credit accessible to at least half of Nigeria’s working population by 2030.
Under C.L.I.C.K.D., successful repayment will also contribute to a borrower’s credit history, potentially improving access to other forms of financing in the future.
For now, the government has not announced when the second phase will begin or how many smartphones, tablets and connectivity devices will be financed after the first 1,000 laptops are distributed.
