How to Apply for the Federal Government's C.L.I.C.K.D. Loan for Laptops, Smartphones and Tablets

The Federal Government has launched one of its most practically accessible digital empowerment programmes to date — a consumer credit scheme that allows Nigerians to own laptops, smartphones, and tablets through structured, affordable instalment payments rather than requiring full upfront purchase cost.

The programme is called C.L.I.C.K.D. — Credit for Laptops, Internet, Connectivity and Knowledge Digital Devices Programme — and it is currently accepting applications from eligible Nigerians who need digital devices but cannot afford to pay the full cost at once.

What C.L.I.C.K.D. Is

C.L.I.C.K.D. is implemented by the Nigerian Consumer Credit Corporation — CREDICORP — in partnership with the Federal Ministry of Communications, Innovation and Digital Economy. It was unveiled in Abuja by the Minister, Dr Bosun Tijani, alongside CREDICORP's Managing Director and Chief Executive, Uzoma Nwagba.

The programme allows eligible Nigerians to receive digital devices — starting with locally assembled laptops — through a credit facility repaid in structured installments over a defined period. The Federal Government's decision to prioritise locally assembled devices signals a deliberate commitment to supporting domestic technology manufacturing alongside digital access expansion.

The current pilot phase covers 1,000 laptops, with distribution beginning in Abuja where 77 beneficiaries have already received devices. The remaining devices will be distributed to qualified applicants in other states in phases.

Who Currently Qualifies

The current pilot phase is primarily designed for fellows of the Federal Government's Three Million Technical Talent — 3MTT — Programme. However, the application form includes several other digital talent programmes as eligible categories — suggesting the scheme will be expanded to include fellows of Andela Learning Community, Learn2Earn, ALX Africa, HNG Internship, AltSchool Africa, and Genesys Tech Hub in subsequent phases.

Beyond talent programme participants, the application form accommodates employed salary earners, freelancers, self-employed individuals, business owners, students, job seekers, and NYSC members — indicating CREDICORP's intention to broaden eligibility significantly beyond the initial 3MTT pilot as the programme scales.

How to Apply — Step by Step

The application process is entirely online and straightforward.

Step 1 — Visit the official C.L.I.C.K.D. programme page on the CREDICORP website at credicorp.ng/clickd.

Step 2 — Click the button labelled "I'm Interested" to access the application form.

Step 3 — Complete the required information. You will need to provide your state of residence — available for all 36 states and the FCT. Select what best describes your employment status from the options provided — employed salary earner, freelancer or self-employed, business owner, student, job seeker, or NYSC member. Your monthly income range is optional but can be provided. Indicate which digital talent programme you are part of if applicable. Select the specific device you need — laptop, smartphone, tablet, or other. Choose your reason for needing the device from the available options — these include learning and certifications, work and remote work, freelancing, business growth, school, software development, and content creation. Indicate how you heard about C.L.I.C.K.D.

Step 4 — Review your information carefully before submitting. Before final submission, you must tick three confirmation boxes — confirming that the information provided is accurate, agreeing to be contacted regarding your application, and consenting to CREDICORP and its partners using your information to assess your eligibility.

Step 5 — Submit your application and await communication from CREDICORP regarding your eligibility and next steps.

What to Expect After Applying

CREDICORP has not yet publicly disclosed the specific interest rates, repayment tenure, or down-payment structure that will apply to C.L.I.C.K.D. loans. These details are expected to be communicated directly to applicants whose eligibility is confirmed during the assessment process.

CREDICORP has a documented track record of phased rollout from its main consumer credit scheme — which launched in April 2024 targeting federal civil servants before progressively widening its reach. The C.L.I.C.K.D. programme is following the same methodology — beginning with a defined and verifiable eligible group before expanding to the broader population.

Why This Matters for Nigerian Digital Participation

Digital devices are not luxuries for Nigerians in 2026. They are the tools through which remote work is done, freelance income is earned, certifications are pursued, businesses are marketed, and financial services are accessed. The high upfront cost of laptops and smartphones has historically excluded a significant portion of Nigeria's young, skilled, and motivated population from the digital economy — not because the skills or the opportunities were absent but because the tools required to participate were financially inaccessible.

C.L.I.C.K.D. addresses this barrier directly — converting a prohibitive upfront cost into manageable instalments that reflect the income reality of most Nigerian earners. For the freelancer who needs a laptop to access international clients, the student who needs a device to complete online certifications, and the remote worker whose productivity depends on reliable digital tools, this programme represents genuine, practical financial relief.

The Bottom Line

C.L.I.C.K.D. is live, accepting applications today, and operating on a first-come, first-served basis as the programme scales beyond its initial pilot phase. If you need a digital device and have been unable to fund the full purchase cost upfront, this is the programme designed specifically for your situation.

Apply immediately. Complete every field accurately. And monitor your registered contact details for CREDICORP's eligibility communication.

Digital access should not be determined by who can afford to pay the full price upfront. C.L.I.C.K.D. exists to close that gap — one device at a time.

Disclaimer: This article is for informational and educational purposes only. Programme details, eligibility requirements, interest rates, repayment terms, and application processes are subject to change by CREDICORP and the Federal Ministry of Communications, Innovation and Digital Economy. Always verify current programme information directly through official CREDICORP channels before applying. The author does not guarantee approval or availability of devices.