About CreditNaija

CreditNaija is a free financial tools platform for Nigeria. We help you calculate costs, compare products, and make smarter money decisions — without needing a finance degree.

Independent

We don't work for any bank, lender, or insurer. Our comparisons are based on publicly available data and we always show the true cost — including effective APR, not just the advertised rate.

Transparent

When we earn a commission from a referral, we tell you. We flag predatory lending rates (anything above 100% APR) with clear warnings. We believe informed consumers make better choices.

Free Forever

All our calculators and comparison tools are free to use, with no signup required. We make money through affiliate referrals and sponsored listings — never from selling your data.

Consumer-First

We actively warn about predatory financial products. When a loan app charges 300%+ APR and there are cheaper alternatives, we say so. Our job is to protect your wallet, not sell you products.

What We Cover

Financial Calculators: PAYE/salary calculator (updated for 2026 Nigerian tax reform rates), loan calculator with flat vs reducing balance comparison, and data bundle comparison tool.

Product Comparison: Personal loans from CBN-licensed digital lenders and microfinance banks, insurance products, and bank savings accounts.

Financial Guides: Clear, practical guides on topics like CRC clearance, tax rates, investment options, and understanding your payslip. Written for regular Nigerians, not financial experts.

Our Data Sources

We compile data from publicly available sources including:

  • - Central Bank of Nigeria (CBN) — licensed lender directory, monetary policy rates
  • - Federal Inland Revenue Service (FIRS) — PAYE tax bands and rates
  • - National Pension Commission (PenCom) — pension contribution rates
  • - National Insurance Commission (NAICOM) — licensed insurers
  • - Securities and Exchange Commission (SEC) — licensed fund managers
  • - Individual bank and lender websites — product terms and rates

We update our data regularly but cannot guarantee real-time accuracy. Always verify rates directly with the provider before making financial decisions.

Disclaimer

CreditNaija provides information and tools for comparison purposes only. This is not financial advice. We are not licensed financial advisors, brokers, or intermediaries. Always do your own research and consult a qualified financial professional before making significant financial decisions. Rates and terms shown are indicative and may change without notice.

Questions or feedback? Email us at hello@creditnaija.com