How to Apply for the FG C.L.I.C.K.D. Loan for Laptops & Smartphones (2026): The Complete Guide

The Federal Government of Nigeria has officially opened applications for its landmark digital credit scheme: the Credit for Laptops, Internet, Connectivity and Knowledge Digital Devices Programme (C.L.I.C.K.D.).

Implemented by the Nigerian Consumer Credit Corporation (CREDICORP) in partnership with the Federal Ministry of Communications, Innovation and Digital Economy, this initiative aims to bridge the digital divide. It empowers Nigerians to acquire essential work and study tools—such as laptops, smartphones, and tablets—through structured, affordable installment payments instead of steep upfront costs, with a strong emphasis on locally assembled devices.

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If you want to secure your device through this program, this comprehensive, SEO-optimized guide walks you through eligibility requirements, step-by-step application instructions, and everything you need to know to boost your chances.

What is the C.L.I.C.K.D. Programme?

Unveiled in Abuja by Minister Dr. Bosun Tijani and CREDICORP’s Managing Director/CEO Uzoma Nwagba, C.L.I.C.K.D. is a specialized arm of the broader national consumer credit framework.

• Core Objective: To make digital tools accessible to students, professionals, freelancers, and entrepreneurs via consumer credit.
• Key Focus: Prioritizing Nigerian-assembled laptops to stimulate local tech manufacturing and economic growth.
• Current Status: The scheme has kicked off with an initial 1,000-laptop pilot phase.

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Who Qualifies for the C.L.I.C.K.D. Loan? (Eligibility)

While the online application form is broad, it is important to understand the phased nature of the rollout:

1. Pilot Focus (3MTT Fellows): The immediate 1,000-laptop pilot is primarily dedicated to fellows of the Federal Government’s Three Million Technical Talent (3MTT) programme. In the initial Abuja launch, 77 beneficiaries received their devices, with the rest rolling out nationwide in phases.
2. Broader Ecosystem: The application portal also recognizes participants from major tech and digital talent networks, including:
   • Andela Learning Community
   • Learn2Earn
   • ALX Africa
   • HNG Internship
   • AltSchool Africa
   • Genesys Tech Hub
3. General Applicants: The application form accommodates salary earners, freelancers, business owners, students, job seekers, and NYSC members, signaling future expansion much like CREDICORP’s civil servant credit scheme launched in April 2024.

Step-by-Step Guide: How to Apply for the FG C.L.I.C.K.D. Loan

Applying for the device financing scheme is entirely online. Follow these simple steps:

Step 1: Visit the Official Portal

Head straight to the official C.L.I.C.K.D. landing page at credicorp.ng/clickd. (Always ensure you are using the official URL to protect your personal data).

Step 2: Access the Application Form

Click on the prominent “I’m Interested” button on the webpage to open the digital application questionnaire.

Step 3: Fill in Your Personal and Professional Details

Provide accurate information across the required fields:

• State of Residence: Select your current location from all 36 states and the FCT.
• Employment Status: Indicate what best describes you (Employed/Salary Earner, Freelancer/Self-Employed, Business Owner, Student, Job Seeker, or NYSC Member).
• Monthly Income (Optional): Categories range from below ₦100,000 to above ₦1,000,000.
• Digital Talent Programme: Specify if you belong to any supported tech community (e.g., 3MTT, ALX, AltSchool, HNG, etc.) or select “Other.”
• Device Needed: Choose between a laptop, smartphone, tablet, or other digital hardware.
• Reason for Device: Select all applicable options that fit your needs, such as learning/certifications, remote work, freelancing, business growth, school, software development, or content creation.
• Source of Information: Let them know how you heard about the program (Social media, 3MTT, Google search, friend/family, etc.).

Step 4: Confirm and Consent

Before final submission, you must check three mandatory consent boxes:

1. Confirming that all information provided is accurate and truthful.
2. Agreeing to be contacted regarding your application status.
3. Consenting to CREDICORP and its verified partners utilizing your details to evaluate your credit eligibility.

Step 5: Submit Your Application

Review your entries carefully and click Submit. Keep an eye on your email or phone number for subsequent communication from the CREDICORP team regarding phase distributions and repayment terms.

Loan Terms, Interest Rates, and Repayments

As of the current rollout phase, CREDICORP has not yet publicly disclosed specific interest rates, exact repayment tenures, or down-payment thresholds for the C.L.I.C.K.D. devices. Bookmark this page or check back regularly for instant updates as soon as official financial structures are released.

Frequently Asked Questions (FAQs)

Q: Can anyone outside the 3MTT program apply?

A: While the initial 1,000-device pilot prioritizes 3MTT fellows, the application form explicitly includes options for other tech ecosystems (ALX, AltSchool, HNG, etc.) and general employment statuses, pointing to a wider rollout.

Q: Are the laptops imported or locally made?

A: True to CREDICORP’s mandate, the program heavily prioritizes locally assembled laptops to boost domestic technological capacity.

Q: Is there a fee to apply?

A: No. Applications are processed directly through the official CREDICORP portal at credicorp.ng/clickd. Do not pay any individual claiming to fast-track your application.