AutoCred is a fully autonomous AI that lends airtime and data to anyone in Africa via WhatsApp, SMS, or USSD. No app download. No paperwork. Just send a message.
No bank account. No credit history. No problem.
Takes 10 seconds
Send a simple message from any phone — no app, no forms, no bank account needed.
You send:
WhatsApp, SMS, or USSD
From request to airtime in under 30 seconds — fully automated.
Text LOAN 2 via WhatsApp, SMS, or USSD from any mobile phone in Africa.
Our GPT-4o engine evaluates your profile and determines eligibility in under 5 seconds.
Approved? Your airtime or data is credited directly to your SIM within 30 seconds.
Repay via mobile money, card, or bank transfer. Each repayment raises your credit limit.
No smartphone required. Works on any mobile phone.
Send LOAN 2 to our WhatsApp number. The AI responds in seconds.
Text LOAN 2 to our short code. Works on any phone, even 2G.
Dial *384# and follow the prompts. No internet required.
Expanding to new markets every quarter.