Credit & Loans
Loan apps for salary earners in Nigeria
Loan apps for salary earners in Nigeria promise fast cash, but fintech platforms do not always beat traditional bank salary loans on total cost.
Contributor
Damilola Esebame
Damilola Esebame is an NFEC Certified Financial Education Instructor℠ (CFEI®) and professional finance journalist whose work has appeared in leading outlets such as Investing.com and FinanceFeeds. Since 2018, he has authored articles and insights that simplify complex financial topics, ranging from credit and budgeting to crypto, macroeconomics, and global markets, for audiences around the world.
47articles
Articles by Damilola Esebame
Credit & Loans
NIRSAL MFB loan portal: full application guide 2026
NIRSAL MFB loan portal applications are open, but picking the wrong product or uploading incomplete documents can stall your approval for weeks.
News
S&P DJI places Nigeria on its critical 2027 watchlist
S&P DJI credited Nigeria’s regulatory overhaul but attached strict conditions that will determine whether the country reclaims frontier market status in 2027.
News
Dangote sends NNPC a signal it can’t afford to ignore
Dangote’s Lekki expansion blueprint and record European jet fuel exports are redrawing the competitive map for Nigeria’s state oil company.
Taxes
Nigeria Tax Act transition rules — what to do for 2025 vs 2026 income
The Federal Ministry of Finance has released Nigeria Tax Act transition rules that draw a firm line between old and new laws, and your 2025 filing obligations depend on which side your accounting period falls.
Investing
Dangote Refinery vs Seplat: Which Nigerian Energy Stock Has the Edge?
The dangote refinery vs seplat debate pits a live upstream dividend payer against Africa’s biggest planned listing, so investor fit matters more than any winner.
Investing
Dangote Refinery share price prediction: analyst views and post-IPO outlook
Analysts are split on every dangote refinery share price prediction ahead of Africa’s largest-ever IPO, with the bull and bear cases separated by $11 billion.
News
Tony Elumelu’s 12-year reign at UBA reaches its end
Tony Elumelu’s exit from Africa’s global bank opens a new chapter, but his next move was already locked in.
Credit & Loans
Bank of Industry (BOI) loan: how to apply, eligibility, and amount in 2026
Understanding the Bank of Industry loan how to apply process can give your business access to single-digit interest rates that commercial banks cannot match.
Credit & Loans
FCCPC delisted loan apps 2026: full list and reasons
The full FCCPC delisted loan apps 2026 list now spans two enforcement waves, but a court order has frozen any further removals.
Taxes
Joint Revenue Board explained — how federal and state taxes now coordinate
The Joint Revenue Board established under the JRBEA replaces the Joint Tax Board with broader powers, specialized dispute resolution, and a revised VAT sharing formula that shifts revenue toward states.
Taxes
Tax Ombuds office in Nigeria — how to file a complaint
The tax ombuds office in Nigeria investigates taxpayer complaints at zero cost, but the process starts only after you exhaust internal channels with the relevant revenue authority.
News
CBN targets ₦5.8trn in biggest T-bills push of 2026
The CBN’s Q3 borrowing calendar dwarfs every previous quarter this year, reshaping the outlook for yields and market liquidity.
Investing
Dangote Refinery Dual Listing: NGX and London Stock Exchange Explained
The Dangote Refinery dual listing could span Lagos and London, reshaping how investors on both sides of the Atlantic access Africa’s largest energy asset.
Investing
Dangote Refinery IPO Allocation: How Shares Will Be Distributed
The Dangote Refinery IPO allocation process will decide which of Africa’s millions of eager investors walk away with shares and which receive a refund instead
News
PZ Cussons Nigeria profit surges 388% in FY2026
PZ Cussons Nigeria posted ₦49 billion in profit and erased a ₦17 billion equity deficit, but the numbers raise important questions about what comes next.
Credit & Loans
CBN approved loan apps list: full guide for Nigeria 2026
The full CBN approved loan apps list for 2026 reveals 457 licensed platforms, but two separate regulators share oversight, and knowing the difference protects your data and your money.
Credit & Loans
Best loan apps in Nigeria 2026 without collateral
Finding the best loan apps in Nigeria 2026 without collateral means looking past the download button and into the fine print.
News
Aradel Holdings proposes ₦23 dividend ahead of July AGM
Aradel Holdings recommended ₦33 per share in total dividends for 2025 after profit surged 192% to ₦757.3 billion
Taxes
Nigeria Tax Act 2026: What SMEs need to know
The Nigeria Tax Act hands qualifying SMEs a 0% corporate income tax rate, but the gap between full exemption and a 30% bill depends on thresholds and sector rules most owners have not reviewed.
Taxes
10 Nigeria Tax Act changes individuals need to know
Here are the Nigeria Tax Act changes individuals need to know, from a tripled tax-free threshold to new crypto reporting rules that reshape what you owe and what you keep.
Investing
Dangote Refinery IPO prospectus: Key disclosures investors should read
The Dangote Refinery IPO prospectus has not been filed with regulators yet, but knowing what it will contain puts you ahead of the crowd.
Investing
How to buy Dangote Refinery shares: A retail investor’s guide to the IPO
Millions of Nigerians are racing to figure out how to buy Dangote Refinery shares, but most aren’t ready for what the process actually requires.
News
Dangote taps UAE oil as Gulf crude floods back to market
Africa’s largest refinery just made its first Middle East crude purchase, and the timing says everything about where Dangote is headed next.
Credit & Loans
Personal loans without collateral in Nigeria: banks, salary loans, and how to qualify
Personal loans without collateral in Nigeria are now available at every major bank, but the difference between the cheapest and costliest product could double your total repayment.
Credit & Loans
Government loans in Nigeria: complete guide to federal, state, and institutional financing
Government loans in Nigeria offer interest rates as low as 0%, but most eligible applicants never access funding because they apply to the wrong program.
Investing
Dangote Refinery IPO Price Per Share and Valuation: What Analysts Expect
The Dangote Refinery IPO price per share will be set during the book-building process, but analyst valuations between $39 billion and $50 billion already frame the likely range.
Investing
Dangote Refinery IPO Date and NGX Listing Timeline Explained
No official Dangote refinery IPO date has been confirmed, but founder Aliko Dangote targets September 2026 as the SEC clarifies that no filing exists yet.
Investing
Why a long de-rating has made UK smaller companies hard to ignore
Five years of outflows. A 41% discount to US peers. Earnings up, prices down. UK smaller companies have been written off by the market, and active managers are quietly noticing.
News
Cadbury Nigeria slides 8% as food giants face selloff
Cadbury Nigeria dropped 8% as a broad wave of profit-taking swept through consumer goods stocks on the Nigerian Exchange, in a session that erased trillions in market value.
News
Nestle and MTN crash up to 10% in brutal session
Nestle and MTN led a broad wave of blue-chip stocks that slammed into their daily price limits on June 23, and the selling may not be over yet.
News
Airtel Africa buys back 333,560 more shares in one week
Airtel Africa’s $110 million buyback machine keeps grinding as more than 7.7 million shares vanish from the open market in just one month.
Credit & Loans
Loan apps in Nigeria: complete 2026 guide to borrowing, regulation, and safety
Nigeria’s digital lending market has exploded past $2 billion, but hundreds of unlicensed apps still prey on borrowers. Here is everything you need to know about who is approved, who regulates the space, and how to protect yourself.
News
NGX Banking Index sheds 10% in brutal weekly selloff
Banking stocks bore the brunt of a five-day rout that wiped trillions from the NGX, with tier-one names like GTCO and First HoldCo leading the losses.
Personal Finance
Nigerian banks split sharply on loan pricing in June
Lending rates at six major lenders range from 16% to 46%, and the gap reveals a deeper story about Nigeria’s credit market.
News
Dangote insider offloads ₦34m in Nascon shares
A senior Dangote group staffer disposed of 173,400 Nascon shares in a single transaction, raising fresh questions about insider sentiment at one of Nigeria’s strongest consumer goods performers.
Investing
Rethinking concentration risk beyond the FTSE 100’s dividend giants
Ten companies. Fifty-two percent of the FTSE 100’s 2026 dividends. One sector cut could rewrite UK income returns. The headline yield hides what every passive income holder needs to see.
News
MTN Nigeria CFO goes on a ₦1.03bn share buying spree
The telecom giant’s finance chief purchased 1.3 million shares across 13 separate tranches in two trading days, a regulatory filing with the Nigerian Exchange Limited shows.
Investing
Dangote Refinery IPO: Everything Nigerian investors need to know
Africa’s biggest planned listing is moving closer, and Nigerian investors have a narrow window to get every account, document, and decision in place.
News
MTN Nigeria CFO pours ₦218m into company shares
The person responsible for MTN Nigeria’s financial strategy just put ₦218 million of personal capital behind the company’s stock price trajectory.
News
Vitafoam tumbles 8% as consumer goods stocks slide
Vitafoam Nigeria opened June 15 at its 52-week high of ₦210 per share, a level first reached on June 10 after an 8.25% single-day rally on the Nigerian Exchange.
News
Julius Berger sheds 10% on thin volume across NGX
A 10% single-session decline in one of Nigeria’s most recognizable infrastructure stocks would normally trigger urgent conversations across the trading floor.
News
CBN proposes sweeping ring-fencing plan for banks
If you bank with any of Nigeria’s major financial institutions, the company behind your account likely owns a fintech, an insurance arm, or a microfinance subsidiary.
News
CBN moves to strip holdcos of power over bank lending
Investors holding shares in Nigerian banking groups have weathered a punishing regulatory cycle, and a fresh proposal from Abuja could trigger another costly rethink.
News
CAP PLC stumbles 7.5% in a brutal Thursday session
If you owned CAP PLC shares heading into the second week of June 2026, the trading floor had a painful surprise waiting.
News
NGX ETFs rattled as 6 of 12 funds slip into the red
If you held a basket of Nigerian exchange-traded funds heading into June 10, 2026, the closing bell probably left a mark on your portfolio.
News
Airtel Africa shatters its 52-week high in one session
Airtel Africa closed at ₦4,021.20 on the Nigerian Exchange on June 8, 2026, obliterating a 52-week high that had held firm for weeks.