Nigerians seeking financial assistance to purchase laptops, smartphones and other digital devices may soon have another opportunity as the Federal Government prepares to expand its consumer credit programme.
The Nigerian Consumer Credit Corporation (CREDICORP) has confirmed that the second phase of its Credit for Laptops, Internet, Connectivity and Knowledge Devices (C.L.I.C.K.D.) initiative is coming.
The announcement follows the first phase, which focused on eligible participants in the Federal Government’s Three Million Technical Talent (3MTT) and Learn2Earn programmes.
According to a notice on the official C.L.I.C.K.D. website, the next phase will introduce three changes intended to expand access to digital equipment.
However, CREDICORP has not announced the reopening date or the complete eligibility requirements.
3 changes Nigerians should expect in C.L.I.C.K.D. Phase 2
1. More participating financial institutions
CREDICORP says the next phase will involve more participating financial institutions.
This is significant because the programme operates through consumer credit rather than direct cash payments from the government.
Financial institutions are responsible for providing financing under applicable lending arrangements.
During the first phase, Fidelity Bank was identified as the credit administration partner.
The addition of more institutions could provide applicants with alternative financing channels.
However, CREDICORP has not published the full list of new participating lenders or their individual loan conditions.
2. More digital device options
The corporation has also promised to expand the range of products available.
Although the first phase concentrated on locally assembled laptops, the wider programme is designed to support access to smartphones, tablets, connectivity devices and digital learning equipment.
This could make the initiative relevant to Nigerians with different technological needs.
For example, a graphic designer may need a laptop, while a small business owner may require a smartphone or tablet to manage online transactions.
However, the specific products available under Phase 2 will depend on the final programme arrangements.
3. Broader access pathways
The third change concerns eligibility.
CREDICORP says the next phase will provide broader access pathways, suggesting that participation may extend beyond the groups covered by the initial pilot.
The first phase was restricted to 3MTT and Learn2Earn fellows.
Although the earlier expression-of-interest form captured information from students, freelancers, salary earners and business owners, their inclusion in the form did not automatically qualify them for the pilot.
The corporation has yet to identify all the additional categories that will be accepted in Phase 2.
How the FG laptop loan started
The C.L.I.C.K.D. programme was launched in Abuja on July 21, 2026, through a partnership between CREDICORP and the Federal Ministry of Communications, Innovation and Digital Economy.
The initiative was introduced to help Nigerians acquire equipment needed for digital training, employment and entrepreneurship.
According to a report by Nairametrics, the inaugural programme targeted 1,000 locally assembled laptops.
Seventy-seven beneficiaries received devices during the launch ceremony in Abuja.
The programme also involved the National Agency for Science and Engineering Infrastructure (NASENI) and Imose Technologies as manufacturing partners.
Are the laptops free?
No. C.L.I.C.K.D. is a consumer credit initiative, not a free laptop distribution programme.
Beneficiaries obtain devices through financing arrangements and are expected to repay the applicable amounts.
The corporation describes the scheme as an opportunity to spread payments over time rather than bear the full purchase cost upfront.
Applicants should therefore consider the repayment terms before accepting any offer.
When will Phase 2 applications open?
CREDICORP has not announced a specific reopening date.
Its current notice directs eligible Phase 1 participants to continue their applications through the 3MTT portal.
Other interested Nigerians should monitor the official C.L.I.C.K.D. website for updated instructions.
The planned expansion could improve access to digital equipment, but applicants should wait for the government to confirm the participating lenders, eligible categories and repayment conditions.