Microloans

Borrowing, made clear

Make a borrowing decision you can live with.

Plain-language guidance for small loans in Nigeria. Check who you are dealing with, see the real cost, and understand the agreement before you accept it.

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Before you accept01 / 03

Three questions worth asking.

  1. 01
    Who is lending?Can you verify the licence and the real company?
  2. 02
    What is the total cost?Interest, fees, deductions, and the amount you repay.
  3. 03
    Can you repay on time?Plan for a bad month, not only a good one.
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Start here

Choose the question
you need answered.

Good borrowing starts with information you can check. Pick a path and take it at your own pace.

01⌕

Is this lender safe?

Check licensing, warning signs, complaint channels, and what a legitimate lender should tell you.

Open the lender directory ↗ 02₦

What will it really cost?

Turn a monthly rate and hidden fees into one number you can compare.

Use the cost calculator ↗ 03↗

What should I know first?

Short, useful guides on contracts, privacy, repayment, and your rights.

Browse the guides ↗

Free tools

Know the number
before you say yes.

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Most useful first

What this loan
really costs

A lender quoted “5% a month”? See the annual rate, the upfront deduction, and your true repayment in under two minutes.

Open calculator
↔Repayment calculatorFlat rate vs reducing balance↗ ◎Can I afford this?Income, essentials, and what you already owe↗ ✓Is this lender safe?Eleven signs that deserve a pause↗

From the guidebook

Useful before
urgent.

Browse all guides →
Safety

How to spot loan sharks

Pressure tactics, unlicensed apps, and the signs to walk away.

Read guide → Money maths

Interest rates explained

Flat rate, reducing balance, APR, and the number that matters.

Read guide → Your privacy

Loan apps and your phone

Why an app asks for contacts and what you can refuse.

Read guide → Pidgin

How to borrow safely

The same clear advice in natural Nigerian Pidgin.

Read guide →

For people borrowing

Independent guidance
for a high-stakes decision.

We are not a lender. We do not rank lenders for payment, collect applications, or take a commission for sending you somewhere. Verify every licence with the Central Bank of Nigeria before you borrow.

How we work

For lenders

Help borrowers understand
repayment before they take the loan.

Our verified Nigerian panel delivers borrower-readiness education in English, Pidgin, Hausa, and Yoruba.

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