Jara · Credit improvement
How to grow your credit score.
Your 300–900 JARA credit score sets your credit limit. Here's exactly what moves it — and the fastest ways up.
The two halves
60%
What we can verify
The App Score (0–100): your identity anchors, employment and income, bank and bureau signals, and — for market traders — the JARA network signals no other lender has.
40%
How you actually repay
The Repayment Score (0–100): your live behaviour. Every cleared loan lifts it; every late payment drags it. It grows forever — it's the part no paperwork can fake.
Identity anchors
BVN (10 pts) and NIN (10 pts) are the gate to your entire limit — without both, your limit stays at ₦0. A verified address adds 5.
Income & employment
Salaried, business owner or trader — the same 12 employment points (gig work 10). Income bands run from 2 pts under ₦50k up to 15 pts at ₦500k+. Traders can count agent-observed takings.
Bank & bureau signals
A bank statement (8 pts), a clean credit record (up to 17 pts) and low existing obligations (up to 12 pts at under 20% debt-to-income).
Repayment behaviour
The biggest lever of all. Everyone starts at 50/100. Every loan you clear adds 12. Repayment is 40% of your total score.
What costs you points
- — A default costs you 40 repayment points — and a long recovery.
- — Each payment that lands 1–30 days late costs 8 points; 31+ days late, 20.
- — Existing obligations above 50% of your income squeeze your borrowing points to near zero.
- — A bad credit record elsewhere scores zero bureau points — but a clean JARA history rebuilds it.
One honest note: a guarantor or collateral helps a specific loan get approved, but it doesn't change your standing credit score — only clearing loans on time does that.
Climb the trust bands
Your score places you in a trust band, and the band sets how many months of income you can borrow. On-time repayment moves you up.
Building · 300+
1× monthly income
Fair · 560+
2× monthly income
Good · 640+
3× monthly income
Strong · 720+
4× monthly income
Excellent · 800+
5× monthly income
See where you stand today.
Your live score, the exact points behind it, and what caps your limit today.