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Credit Check enables businesses, especially those in financial services and lending, to assess the creditworthiness of individuals with speed and precision. The tool provides a centralized dashboard where credit assessments can be initiated, reviewed, and managed, alongside rich KYC data. Credit checks can be performed by either entering the customer’s BVN or uploading their bank statements. This flexibility makes it easy to integrate into onboarding, risk assessment, or embedded finance flows.

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Core Features

Credit Summary

Get a quick snapshot of a customer’s credit history. View outstanding loans, repayment status, and overall credit exposure to assess financial responsibility at a glance.

Credit Score

Access a standardized credit score alongside details on loan performance, repayment history, and borrowing trends. Ideal for lenders and financial institutions making approval or risk decisions.

Behavioral Analysis

Analyze bank statements to understand financial habits. Spot trends in income, spending, savings, and financial health. Use insights to support customer profiling and better credit segmentation.

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Use Cases

  • Lending & Microfinance: Evaluate a borrower’s creditworthiness to reduce defaults and automate loan approvals.
  • BNPL & Consumer Credit: Run pre-checks before approving purchases to manage risk and personalize spending limits.
  • KYC & Compliance: Layer credit checks into onboarding processes for deeper due diligence and fraud mitigation.
  • Embedded Finance: Offer credit scoring and insights as a service to your ecosystem partners.
  • Risk Segmentation: Segment customers based on financial behavior to improve product offerings and pricing.

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Integration Options

API Integration

Call Dojah’s credit endpoints directly using a customer’s BVN. Get structured credit data in real time. Ideal for developers building automated decision engines.

Manual Lookup via Dashboard

Run checks manually via the Dojah Dashboard. This method is suited for compliance teams and internal credit analysts who want a no-code solution for managing verifications.