Genius by Pettysave

Credit That Truly Works for You

Get instant access to the money you need, no hidden fees, just flexible repayment when it works for you.

Smart spending. Transparent terms. Total control.

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Grow your credit the smart way with Genius

Easily Build Your Credit
Score with Genius

Say goodbye to credit stress as Genius boosts your score automatically when you save, repay, and spend wisely.

Credit That's Always Ready, Always Reliable.
Apply in minutes, get instant approval, and enjoy 30 days of interest free spending at trusted merchants.
Saving isn't always easy, we get it.
Saving is tough, we get it. Genius makes it easy, automatic, and rewarding. Start small, save daily.
Reliable Credit Access, Anytime You Need It
Get instant credit when it matters, with 30 days interest free and flexible repayment.

Three Simple Moves
to Get Started

Turn your phone into a smart money tool. Save, spend, and grow better with Genius.

Download the Genius Credit App
One app, endless money wins with Genius
Sign Up & Complete KYC
Easy sign up, simple KYC, instant access
Start Using Credit the Smart Way
Tap into credit the Genius way

Questions? wehave answers

Need more answers? Reach us at
info@geniusforyou.com

Is my Genius account secure ?

You can trust that your finances are secure.We take security seriously by implementing robust security measures to protect your financial information and transactions.We are also regulated by CBN and insured by NDIC.

What documents do I need to open a Genius Personal Bank account ?

To open an account, you only need a functional email address or a valid Nigerian phone number, your NIN, and your BVN.These will give you access to a functional bank account on KYC Level 1.

Is there a fee for opening an account ?

No, there is no fee for opening or maintaining an account with Genius

Is the credit really interest - free ?

Yes! You get a 30 - day interest - free period to repay what you've used.After that, you are privy to flexible repayment options to help you stay in control

How do I qualify for credit ?

Qualification is based on factors such as your income flow, credit history, and account activity.The bank evaluates these before approving your credit limit.

What people are saying

I thought it was a scam at first, but Genius changed how I manage my money. I got instant access to credit after registering, and the 30-day interest-free period gave me room to repay. I am really grateful.

Amina R., Abuja

The app dey easy to use and it no too hard to do the things wey i wan run ontop. I love say I fit transfer and use the digital card easily.

Mutiu T., Ibadan

I use my credit card for groceries, and I even get cashback when I shop with vendors on the app. This is amazing because I'm spending and saving at the same time.

David E., Lagos

Before Genius, I relied on loan apps with crazy interest rates. Now I get credit with zero interest for 30 days and flexible repayment options. I'm more at ease knowing I'm only paying back what I spent.

Mercy N., Enugu

I dey collect cashbacks ontop say I dey use Genius Credit every day with business wey don dey ontop Genius. I don bring my padi dem into Genius and I dey collect bonus on their head sef.

Zainab M., Kaduna

Ready to Take Control of Your Personal Finances?

Join thousands of smart Africans building wealth, saving better, and accessing credit with ease, only on Genius.

Easily Build Your Credit Score with Genius

Credit That's Always Ready, Always Reliable.

Saving isn't always easy, we get it.

Reliable Credit Access, Anytime You Need It

Three Simple Moves to Get Started

Download the Genius Credit App

Sign Up & Complete KYC

Start Using Credit the Smart Way

Ready to Take Control of Your Personal Finances?

Easily Build Your Credit
Score with Genius

Three Simple Moves
to Get Started