Financial Guides

Learn about loans, interest rates, and financial planning.

5 Best Savings & Investment Apps in Nigeria (2025)

Beat inflation and grow your wealth. We compare PiggyVest, Cowrywise, and more to help you choose the best app.

Sending money home? Don't lose value. Compare Wise, Remitly, and WorldRemit to get the best Naira exchange rate.

Understand your payslip. Learn how Personal Income Tax (PAYE) and Consolidated Relief Allowance (CRA) work in Nigeria.

Signed a contract for ₦500k but received less? Understand PAYE, Pension (RSA), and NHF deductions in Nigeria.

Nigerian banks usually require 20-30% equity contribution for car loans. Learn why paying more upfront saves you from high interest rates.

Thinking of clearing your bank loan before the due date? Learn about 'Pre-liquidation Penalties' and when it makes sense to pay early.

Thinking of taking a loan? Don't be tricked by a 'low' Flat Rate. Discover why a 10% Flat Rate is actually much more expensive.

With inflation over 25%, earning 12% interest means you are still losing money. Learn about the 'Real Interest Rate' trap in Nigeria.

Need urgent ₦500k? Should you pawn your jewelry or take a bank loan? We compare the speed and cost.

Not all debt is created equal. Learn why borrowing for a business is smart, but borrowing from loan apps for Aso Ebi is a financial disaster.

Can you become a millionaire by saving ₦50k monthly? See how compound interest works with Nigerian Money Market Funds and investments.

No job security? Car broke down? Learn why having 'Vex Money' isn't enough and how to build a real emergency fund in Naira.

Salary finished before month end? Learn how to manage your Naira with the 50/30/20 rule, even with high inflation.

Before you take that loan from Access Bank or GTB, learn the math behind your monthly repayment (EMI) to avoid overpaying.

Should you buy a 'Tokunbo' car, take a loan for a brand new one, or consider Hire Purchase? We compare the best options for Nigerian drivers.