Nigerians interested in obtaining laptops, smartphones and other digital equipment through the Federal Government’s consumer credit programme can begin preparing ahead of the expected second phase.
The Nigerian Consumer Credit Corporation (CREDICORP) has confirmed that C.L.I.C.K.D. Phase 2 is coming, with plans to introduce more participating financial institutions, additional products and broader access pathways.
However, the agency has not announced a date for reopening general applications.
While prospective beneficiaries await the official guidelines, information from the earlier application process offers useful insight into how they can prepare.
How Nigerians applied during the first phase
The C.L.I.C.K.D. programme was launched in July 2026 to provide eligible Nigerians with access to digital devices through consumer credit.
During the initial rollout, applicants were directed to the official programme website to complete an expression-of-interest form.
According to a report by The Punch, the form requested personal, occupational and device-related information.
Applicants identified their states of residence, employment categories and preferred devices.
They also indicated whether they belonged to recognised digital talent programmes and explained why they needed the equipment.
However, that process related to the initial rollout and should not be treated as the confirmed application procedure for Phase 2.
5 things prospective applicants should prepare
1. Accurate personal information
Interested Nigerians should ensure that their names, telephone numbers and other personal details are accurate.
The previous application process required applicants to provide information that could be used to contact them and assess their eligibility.
Incorrect or inconsistent information may create problems during verification.
However, CREDICORP has not published a final Phase 2 documentation checklist.
2. Employment or training details
Applicants should be prepared to describe their current employment or training status.
The earlier form included salary earners, freelancers, business owners, students, jobseekers and NYSC members.
It also asked whether applicants belonged to digital talent programmes.
Those who participated in 3MTT, Learn2Earn or other recognised training initiatives should keep accurate records of their participation.
3. Information about the device needed
Prospective applicants should identify the equipment that best suits their needs.
A software developer may require a laptop capable of running development tools, while an entrepreneur may need a smartphone or tablet for business operations.
The earlier form allowed applicants to indicate their preferred device category.
However, the final Phase 2 product catalogue has not been announced.
4. A clear reason for requesting the device
The initial application process asked applicants to explain why they needed digital equipment.
Possible purposes included learning, remote work, freelancing, business development, software development and content creation.
Applicants should be ready to explain how the device will support their activities.
They should avoid providing misleading information simply to improve their chances of selection.
5. A realistic repayment plan
Unlike the Federal Government’s ₦50,000 NERSI relief grant, C.L.I.C.K.D. provides repayable financing.
Applicants should therefore assess their ability to meet monthly repayment obligations.
They should consider their income, essential expenses and existing financial commitments before accepting a loan.
The actual interest rates, repayment periods and other charges will depend on the financing terms eventually announced.
Is the C.L.I.C.K.D. Phase 2 portal open?
A notice on the official CREDICORP website says the programme will return soon.
It directs eligible Phase 1 participants to continue through the 3MTT portal.
The notice does not confirm that new general applications for Phase 2 are being accepted.
Interested Nigerians should therefore avoid unofficial registration links or individuals promising early access.
What happens after the portal reopens?
Once CREDICORP announces the new application process, prospective beneficiaries should review the eligibility requirements before submitting their details.
They should also check the participating financial institutions, available devices and repayment conditions.
Submitting an expression of interest should not be confused with guaranteed loan approval.
For now, the most useful preparation is to gather accurate information, identify a suitable device and establish an affordable repayment budget while awaiting official instructions.