Expert tips on personal finance, budgeting, investing, loans, and building wealth
A comprehensive, easy-to-understand guide for Nigerian, South African, Ghanaian, Kenyan & Ugandan students and working-class citizens If you’re thinking about applying for a personal loan, especially from one of Nigeria’s leading banks like GTBank, this guide is for you. We’ll walk through what a “personal loan with GTBank” means, what the related keywords are, how … Read more
A comprehensive guide for Nigerian students, working-class citizens, and salaried employees in Nigeria, Ghana, Kenya, Uganda & South Africa. Paying your salary-linked loan late can cause stress, extra fees, hurt your credit and hurt your budget. If you have a salary loan (often called a “salary advance loan”, “payday salary loan”, or “salary domiciled loan”) … Read more
A detailed guide for working-class citizens, students, and professionals in Nigeria (also relevant for Ghana, Kenya, Uganda & South Africa) In recent years, you may have seen more adverts or heard more about salary advance apps in Nigeria. These are digital platforms that let you access part of your salary before payday. They are growing … Read more
A detailed and clear guide for students and working-class citizens in Nigeria, Ghana, Kenya, Uganda & South Africa The cost of higher education has been rising around the world, and Africa is no exception. Many students and working adults in countries like Nigeria, Ghana, Kenya, Uganda and South Africa find themselves exploring different ways to … Read more
A complete and clear guide for students and working-class citizens in Nigeria, Ghana, Kenya, Uganda & South Africa Education is a powerful tool. For students and working adults across Africa, online student grants offer a chance to access or upgrade education without the heavy burden of debt. In this guide, we will walk you through: … Read more
A complete guide for students and working-class citizens in Nigeria, Ghana, Kenya, Uganda & South Africa Applying for a student loan through an online portal can be exciting—but it can also come with frustrating errors. The good news is: many of these mistakes are avoidable, and most errors can be fixed. This article will walk … Read more
Introduction Education is one of the most powerful tools for individual growth, social mobility and national development. Many students in Africa dream of financing their tertiary education through loans. Yet in countries such as Ghana, educational loans remain rare and hard to access. This article will explore in simple and clear language why that is … Read more
If you’re a student (or working class citizen) in Nigeria, South Africa, Ghana, Uganda or Kenya and you’re looking at studying in South Africa, then understanding how to apply for a study loan is essential. This guide will walk you step-by-step through how to apply for study loans in South Africa: definitions, how it works, … Read more
For many students in Nigeria, South Africa, Kenya, Uganda and Ghana the moment you expect your student loan to arrive is often full of stress. You’ve applied, you’ve been approved — but then the funds are late. When money doesn’t reach you in time, you may miss registration, pay out-of-pocket, or even drop out. In … Read more
Accessing education funding can feel like climbing a steep hill for many students—especially in Nigeria, South Africa, Ghana, Uganda, Kenya and across Africa. Why is this the case? In this article we examine clearly and simply why many students are denied education funding, explore what education funding is, how it works, the problems (and advantages) … Read more
Education opens doors. But paying for higher education can be hard. For students in Kenya, and for those in Nigeria, Ghana, Uganda and South Africa who want to learn from Kenya’s model, the Higher Education Loans Board (HELB) loan scheme offers a pathway. This article walks you through every step needed to apply for a HELB … Read more
Graduating from university is a major milestone. But soon after, many graduates face a serious problem: student loan repayment challenges. When the bills come due and income is low or unstable, it becomes hard to keep up with payments. In Nigeria, Ghana, Kenya, Uganda, South Africa and across Africa, this issue is real. If you … Read more
Education opens doors. In Nigeria—and across Africa (Kenya, Uganda, Ghana, South Africa)—students dream of better jobs, brighter futures, and stronger skills. But paying for school is tough. Although the Nigerian government has introduced federal education loans, many students still struggle. That’s why Nigerian students need alternatives to federal education loans. In this article, we’ll explain … Read more
Entrepreneurship is growing fast in Uganda, just like in Nigeria, Kenya, Ghana and South Africa. But many Ugandan business owners avoid taking bank loans. If you are a student or working in Africa and curious why this happens, you’re in the right place. This article explains the reasons clearly, shows how it works, compares options, gives … Read more
If you are a student or working class citizen in Nigeria (and even if you are thinking of how such knowledge may help you or your friends in South Africa, Ghana, Uganda or Kenya) — you might have heard about the AGSMEIS loan scheme. But you may not know exactly how to apply, what the … Read more
Getting a loan can be very helpful. You might need it for school, for starting a small business, or for fixing your home. But one of the big things that stops many people—especially students or working class citizens in Nigeria, South Africa, Ghana, Uganda and Kenya—is poor collateral. If you don’t have good collateral, banks … Read more
Kenya is often called the “Silicon Savannah.” It has produced remarkable tech companies like M‑Pesa, Andela, BRCK, and Copia. Yet, many Kenyan startups struggle to secure funding. Why is it so hard for young entrepreneurs in Nairobi, Mombasa or Kisumu to attract capital? This article explains clearly, in simple English, the reasons Kenyan startups don’t … Read more
Are you a student or working professional in Nigeria, South Africa, Ghana, Uganda or Kenya who needs to borrow money to grow your business? Do you want to write a strong business loan proposal to help you get approved? This guide is for you. We will explain everything in simple English so that even a … Read more
Have you applied for a startup or SME loan from NIRSAL Microfinance Bank (NMFB) or through a scheme like Nigeria Youth Investment Fund (NYIF) and seen your application denied or declined? Don’t worry—you are not alone, and there are clear steps you can take to understand the denial, fix the issues, and increase your chances … Read more
Many young people in Ghana dream of building startups—tech apps, agro businesses, creative ventures, small manufacturing, and more. Yet one of the biggest obstacles they face is access to startup loans. Even though many programs, banks, microfinance institutions, and government schemes exist, youth entrepreneurs often find themselves shut out. In this deep guide, we’ll analyze … Read more
If you run a small or medium enterprise (SME) in Nigeria—or live in Kenya, Ghana, Uganda or South Africa and want to learn from Nigeria’s government‑loan system—this guide will walk you, in simple clear English, through how to get government business loans in Nigeria. You’ll learn what the loan schemes are, which government programmes are … Read more
If you run a small or medium enterprise (SME) in Nigeria, South Africa, Ghana, Uganda or Kenya and your business credit score is weak or declining, this can block your chances of getting the bank loan or financing you need to grow. In this detailed guide we walk through how to fix poor business credit, … Read more
Small and medium enterprises (SMEs) are the backbone of many African economies. They generate jobs, drive innovation, and help reduce poverty. Yet, all too often, these SMEs fail to qualify for bank loans. In Nigeria, South Africa, Ghana, Uganda, Kenya and across Africa, countless businesses apply for credit and get rejected or discouraged. Why does … Read more
In recent years, South Africans—and many in nearby countries—have turned increasingly toward Capitec Bank rather than relying only on online lenders or digital-only loan apps. But what drives this preference? Why would someone skip a fast online loan and instead choose a bank like Capitec? In this article, we will explore: What is Capitec and … Read more
In today’s digital world, many people in Nigeria, Kenya, Ghana, Uganda and South Africa use mobile loan apps to borrow money quickly. But with that convenience comes the risk that these apps collect a lot of your personal data — things like your contacts, messages, location, phone usage, and more. If you want to delete … Read more
If you’re in Nigeria, South Africa, Ghana, Uganda or Kenya and you use the Tala loan app but missed your repayment date, this article will guide you—step by step—on how to fix late repayment penalties, understand what caused them, compare alternatives, and avoid future trouble. We use clear English, with simple terms so anyone can follow along. … Read more
In Kenya and across Africa, mobile loan apps have surged in popularity. They promise quick cash, fast approvals, and convenience right from your phone. But many users notice something worrying: these apps often require too many permissions—access to your contacts, messages, microphone, storage, and more. Why do Kenyan loan apps demand such wide access? Is … Read more
If you’re a student or a working class person in Nigeria, Kenya, Uganda, Ghana or South Africa and you use the Okash app for personal loans, you may have noticed your first loan limit is small. Fortunately, you can raise your loan limit over time. This long guide explains how to increase your loan limit on … Read more
If you’ve applied for a loan on the Carbon app and your funds haven’t been disbursed, you’re likely asking: Why didn’t it land? What do I fix? This guide will walk you through why loan disbursement may fail on Carbon, what you need to check, how to fix the issue, and how to improve your … Read more
If you’re waiting for a loan from FairMoney and the money hasn’t landed yet, don’t worry — you’re not alone. Many borrowers in Nigeria, Kenya, Uganda, Ghana and South Africa use the app and face delays. In this detailed guide we will explore why FairMoney loans are not disbursing fast, the common causes, how you can … Read more