Lending in all 36 states + FCT Shop today, pay in bits with MAVI BNPL Up to ₦20 million, no collateral From application to disbursement in under 5 minutes Lending in all 36 states + FCT Shop today, pay in bits with MAVI BNPL Up to ₦20 million, no collateral From application to disbursement in under 5 minutes

Money guides for everyday Nigerians.

No jargon. No lectures. Practical guides on borrowing smart and navigating the Nigerian financial system — written by our team and the customers who taught us.

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FeaturedBorrowing8 min read

The real cost of Nigerian consumer credit — and how to read between the rates.

APR, flat rates, reducing balance. Why the same loan looks different in three places, and the one number that actually matters.

Budgeting on a Nigerian salary: the 50/30/20 rule, remixed.

Your credit score: what CRC and FirstCentral actually see.

What BVN actually does — and what it doesn't.

Top-up loans vs. new loans: which one is cheaper?

The 2026 Nigerian consumer credit report.

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Deep-dive reports on Nigerian consumer credit.

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