How to improve your eligibility

Your eligibility grows as your credit points do, so good habits unlock larger loans and better products over time. Points run on a 0–1000 scale and move you up through the Starter, Elite, Gold, and Diamond membership tiers.

Ways to raise your points

1. Complete your verification — a verified account is the foundation of eligibility.
2. Repay loans on time — settling before the 60-day maturity date is the strongest signal.
3. Avoid overdue loans — the 20% overdue interest and missed dates lower your score.
4. Use the app responsibly — regular, steady activity builds trust.

The more consistently you do these, the higher your tier climbs, unlocking bigger overdrafts and direct loans of up to ₦2,000,000 at Gold and ₦5,000,000 at Diamond. See the full breakdown in Am I eligible for a loan?.

Tip: Start with a small loan you can easily repay to build a positive track record.

See Am I eligible for a loan? and complete Account verification to get going.

Want guidance? Email support@boldswitch.ng.