FG Laptop Smartphone Loan Requirements 2026: Complete Guide to C.L.I.C.K.D Programme. The Federal Government has opened applications for the C.L.I.C.K.D Programme — Credit for Laptops, Internet, Connectivity and Knowledge Digital Devices. Eligible Nigerians can now get smartphones, laptops and tablets on consumer credit through CREDICORP without paying the full amount upfront.
This guide breaks down the exact six requirements, who qualifies in the current pilot, how to apply on the official portal, and what still remains unknown about repayment terms. If you are a 3MTT fellow, freelancer, student or job seeker looking for a device loan in Nigeria, this is the clearest information available as of July 2026.
What is the C.L.I.C.K.D Programme?
C.L.I.C.K.D is a flagship initiative of the Nigerian Consumer Credit Corporation (CREDICORP) in partnership with the Federal Ministry of Communications, Innovation and Digital Economy. It lets eligible Nigerians finance digital devices through trusted financial partners and pay over time.
The first pilot focuses on locally assembled laptops. CREDICORP has already distributed devices to 77 people in Abuja. The initial batch covers about 1,000 laptops, with priority given to participants in the Three Million Technical Talent (3MTT) programme. The goal is to scale to more beneficiaries and support Nigerian device manufacturers.
Devices covered include:
- Smartphones
- Laptops
- Tablets
- Connectivity devices
- Digital learning equipment
Official application portal: credicorp.ng/clickd
Six Requirements to Apply for FG’s Laptop and Smartphone Loan
These are the exact fields you must complete on the application form. Missing any of them will stop your submission.
1. State of Residence
Select your current state of residence from Nigeria’s 36 states or the Federal Capital Territory (FCT). This information helps CREDICORP profile applicants and coordinate distribution across the country.
2. Employment Details
Choose your current employment status. Options include:
- Salary earners
- Freelancers
- Self-employed persons
- Business owners
- Students
- Job seekers
- NYSC members
Monthly income is optional. You do not need a minimum income figure to register interest at this stage.
3. Participation in an Eligible Digital Skills Programme
The current pilot prioritises participants in the Federal Government’s Three Million Technical Talent (3MTT) programme.
The portal also lists these platforms:
- Andela Learning Community
- Learn2Earn
- ALX
- HNG Internship
- AltSchool Africa
- Genesys Tech Hub
If you are not in any of these programmes, select “Other”. Future phases may open to more applicants, but 3MTT fellows currently have the strongest chance.
Also Apply: related post on how to join 3MTT
4. Select Device and Purpose
Choose the device you want:
- Smartphone
- Laptop
- Tablet
Then state the intended use. Available options include:
- Learning
- Professional certification
- Remote work
- Freelancing
- Software development
- Business expansion
- Content creation
5. Verification Consent
You must confirm that all information provided is accurate and authorise CREDICORP and its partners to verify your details before approval. False information can lead to automatic disqualification.
6. How You Heard About the Programme
Indicate your source. Options include:
- 3MTT
- Social media
- Friends or family
- School
- Employer
- Google search
- Other sources
How to Apply for the FG Laptop Smartphone Loan (Step-by-Step)
- Go to the official portal: credicorp.ng/clickd
- Click “I’m Interested”
- Select your state of residence
- Choose your employment type and (optionally) enter monthly income
- Indicate if you are in 3MTT or any listed digital skills programme
- Select your preferred device and state the purpose
- Confirm the accuracy of your details and give verification consent
- State how you heard about C.L.I.C.K.D
- Submit the form
After submission, monitor your email and the CREDICORP portal for updates. No official timeline for approval has been published yet.
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Important Details Still Missing
As of 23 July 2026, CREDICORP has not released the following:
- Interest rates
- Repayment period
- Whether a down payment is required
- Exact loan amounts available for each device category
- Full list of participating financial institutions for this specific programme
These details will determine whether the scheme is truly affordable. Check the official portal regularly for updates before making any financial plans.
Who Has the Best Chance of Approval Right Now?
Priority currently goes to active 3MTT participants. The programme aims to turn digital skills training into actual productivity tools. If you are a 3MTT fellow and need a laptop for software development, remote work or freelancing, complete the form as soon as possible.
Applicants outside 3MTT can still register interest by selecting “Other”. Their applications may be considered in later batches.
ALSO READ: related post on CREDICORP consumer credit schemes
Benefits Beyond the Device
Successful repayment under C.L.I.C.K.D helps build your credit profile with Nigerian credit bureaus. A stronger credit history can improve your access to future loans for mobility, solar systems or business needs under other CREDICORP programmes.
The scheme also supports locally assembled devices, which aligns with the government’s push for local manufacturing.
How to Avoid Scams
Only use the official website: credicorp.ng/clickd. CREDICORP does not ask for payment to process applications. Anyone requesting money, BVN via WhatsApp, or personal documents outside the official portal is running a scam. Report such messages immediately.
FAQ Section
Who is eligible for the FG laptop smartphone loan in 2026?
Any Nigerian can register interest. The current pilot prioritises 3MTT participants. Employment status options cover salary earners, freelancers, students, job seekers, business owners and NYSC members. No minimum income is required at the interest registration stage.
Is the C.L.I.C.K.D programme free?
No. It is a consumer credit scheme. You will repay the cost of the device over time. Interest rates and exact terms have not been published yet.
Do I need to be in 3MTT to apply?
3MTT fellows have priority in the pilot phase. Other applicants can still submit by selecting “Other” on the form. Future expansion may include more digital skills programmes.
What devices can I get under C.L.I.C.K.D?
Smartphones, laptops, tablets, connectivity devices and digital learning equipment. The first phase focuses on locally assembled laptops.
When will interest rates and repayment terms be announced?
CREDICORP has not given a date. Monitor the official portal and CREDICORP social media channels for updates.
Conclusion
The six requirements for the FG laptop smartphone loan under the C.L.I.C.K.D Programme are straightforward. Complete the form accurately on credicorp.ng/clickd, especially if you are a 3MTT participant. The scheme removes the need for full upfront payment and helps build your credit history.
Act now while the pilot is open. Check the official portal regularly for interest rates and approval updates.
ALSO APPLY: Start your C.L.I.C.K.D application today
ALSO READ: Latest CREDICORP loan programmes for Nigerian youth