Elnick direct & extra offers unsecured personal and business loans,consumer/equipment leasing,pay day loans,pawn brokerage,business plans & advisory,credit consultancy,direct foreign investment(DFI) consultancy,gift cards and emergency loans(annual overdrafts). The company was founded as Elnick Concerns LTD in 1989 and later changed its name to Credit Elnick Ltd in 2003. It further changed its name to Elnick direct & extra Ltd in 2007. The company is based in United Kingdom,Nigeria,China and Ghana.Elnick direct & extra is a subsidiary of Elnick Group.