Expert tips on personal finance, budgeting, investing, loans, and building wealth
Find trusted finance tips in Nigeria. Learn how to manage money, save, invest, access loans, and build wealth with practical guides.
Borrowing with a personal loan can help when you’re a student or in your first job and need funds for tuition, an emergency, or setting up something new. But if the interest rate is too high, your loan can become a heavy burden instead of a help. This article explains clearly and simply how to … Read more
In today’s world, many people turn to mobile loan apps to get money quickly for school fees, emergencies, or daily living. At first it might seem easy: download an app, tap “borrow”, get cash. But there is a big risk when the loan app is unlicensed. For students or working people in Nigeria, Ghana, Kenya, … Read more
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
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
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
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
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
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 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
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
Getting a loan on Branch app can help students and working class citizens in Nigeria, Ghana, Kenya, Uganda, South Africa when you need cash quickly. But not everyone gets approved immediately. In this full guide, you will learn step by step how to improve your chances of approval, what Branch checks, what mistakes to avoid, … Read more
If you used the PalmPay app to apply for a loan and your request was disapproved, don’t worry — this guide will walk you through why it happened, what you can do to fix it, and how to improve your chances next time. It’s written in simple English so even if you’re a student or … Read more
If you tried applying for a loan using a mobile app in Nigeria and got rejected, you’re not alone. Many people—students, working class, freelancers—face this. This article explains why loan apps in Nigeria deny applications, what the apps check, how you can raise your chances, the pros/cons, and comparisons across Africa (Nigeria, Kenya, Ghana, Uganda, … Read more
For many people in Nigeria, Kenya, Uganda, Ghana and South Africa, taking out a loan seems like a way to solve a money problem. Maybe you’re a student needing fees, or you’re working class and you need funds for a business, or you want to buy something important. But many end up stuck in a … Read more
Understanding how long you will take to pay back a loan is one of the most powerful pieces of financial knowledge you can have. This guide helps you learn how to calculate loan repayment periods, why the repayment period matters, what the pros and cons are of short or long loan terms, how the process … Read more
Whether you are a student in Lagos, a trader in Nairobi, or a working‑class employee in Kampala, the decision to borrow money is a big one. One smart move before you press “Apply” for that loan is to check your credit report. Doing this simple step can save you time, cost, and stress. This long … Read more
Whether you’re a student in Lagos or a working class citizen in Abuja, or even someone in Kenya, Uganda, Ghana or South Africa who wants to understand how quick loans work in Nigeria, this guide is for you. In this article you’ll learn exactly how to apply for quick loans in Nigeria, what “quick loan” … Read more