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Personal Loans Jun 13, 2026

Debunking Personal Loan Myths: What You Really Need to Know

Uncover the truth behind common personal loan myths, from assumed high costs to eligibility misconceptions. Discover which loans actually deliver value.

How to Choose the Right Personal Loan: Avoiding Mistakes and Finding the Best Fit

Apr 16, 2026

Trending items

APR

—

Amount

₦5k–₦150k

Term

1–12mo

Kuda app account required; monthly installment repayment; no paperwork

APR

20.0–28.0%

Amount

₦200k

Term

6–60mo

Salary account with FirstBank; employer salary domiciliation letter; minimum documentation; credit insurance premium required

APR

35.4%

Amount

₦5k–₦5M

Term

1–12mo

Salary account holder with 6 months salary history, ₦20,000 monthly lodgement, ₦30,000 net salary minimum, clean credit bureau report

APR

54–195%

Amount

₦2.5k–₦1M

Term

2–12mo

No collateral; no guarantor; no paperwork

APR

25.44–31.8%

Amount

₦50k

Term

3–24mo

Digital application through the Renmoney app; identity and income checks may apply

APR

60.0%

Amount

₦1.5k–₦1M

Term

1–12mo

No collateral; smartphone app application

Blog

Debunking Personal Loan Myths: What You Really Need to Know

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