Most Nigerians know this feeling. Your salary lands, and ten days later, it has vanished like pure magic. Then you see that sweet BNPL advert that promises a smart installment plan with easy approval. And suddenly, a new phone or fridge starts calling your name like a gospel choir. However, the same thing that feels…
Your phone won’t stop ringing. Another call. Another threat. Another message to someone in your contact list calling you a deadbeat. You missed one loan payment, and now it feels like your entire life is crashing down around you. The shame. The fear. That sick feeling in your gut every time your phone buzzes. You…
If we’re being honest… you’re here because some loan apps have turned borrowing into a nightmare. Miss one payment, and the calls start coming in like a flood. Your contacts get dragged into it. Sleep disappears, and stress takes over. Many business owners in Nigeria have faced this, including those with loans that should have…
You walked into First Bank last month with your business plan in hand. Three years of savings. A solid idea. Comprehensive market research. The loan officer took one look at her screen and slid your documents back across the desk. “No credit history. We can’t help you.” Twenty minutes. That’s all it took for a…
Planning to apply for a business loan in Nigeria? Brace yourself. You’re about to be schooled. Hard. Not because you’re clueless. Not because you don’t work hard. It is because the entire system is rigged against Nigerian business owners like you. And nobody is telling you the truth. Until now. Studies show that only a…
You just got rejected after applying for a loan. You filled out everything. You have a job. Your information was correct. But they still said “no” — and didn’t tell you why. I know that confused, angry feeling you’re feeling right now. I’ve been there. The truth is… there’s a secret number following you around…
BNPL debt collectors in Nigeria often use unethical tactics. They call at midnight. They send embarrassing messages to your boss, friends, and family, sometimes calling you a thief or worse. The calls don’t stop. The messages they send become harsh. Some even threaten arrest. This kind of debt collection harassment leaves you scared, stressed, and…