Ohere Credit vs Scrella

Ohere helps working Nigerians access fairer credit, build a credit score, and manage repayments with more control. With Ohere, you can: • Apply for credit in one app • Complete your credit assessment • Access your Ohere card and starting limit if approved • Spend now and repay within your billing cycle • Get up to 42 days interest-free on eligible repayments • Extend your due date by 7, 14, or 21 days for a small fee when you need more time • Track your credit score and grow your limit with consistent repayment • Use AutoPay to avoid missed due dates Who Ohere is for Ohere is built for working Nigerians — whether you are a teacher, trader, driver, office worker, freelancer, or business owner. How it works 1. Create your account and complete your assessment 2. View your credit profile and eligibility 3. Get approved and receive your Ohere card 4. Use your credit for everyday needs, emergencies, or business expenses 5. Repay on time to build trust and unlock higher limits over time Why users choose Ohere • Clear, simple repayment structure • No hidden fees • Flexible repayment options • Credit designed to build confidence, not pressure Support Need help? Contact us through the app or via Ohere support.

Scrella is your reliable partner that helps you protect your devices against unexpected damages. We are an Insur-tech firm, whose sole focus is preserving the relationship you have with your devices. Scrella has both insurance and repair partners with whom, we aim to deliver an exceptional insurance service. With our device insurance mobile app, we have designed a reliable system to provide insurance coverage and protection for electronic devices such as smartphones, tablets, laptops, or other portable gadgets. We offer a quick, affordable and reliable way to manage and safeguard your devices against potential risks and damages. Some of the features of our mobile app include: 1.⁠ ⁠Multiple Devices: Protect your phones against accidental damage. Every device is welcome, either new or in-use. 2.⁠ ⁠Remote Eligibility Test: Run a remote health check on the smartphone you want to insure from the comfort of your house. 3.⁠ ⁠⁠Plan Selection: Select a suitable plan from our list of affordable insurance plans. We also recommend plans based on the value of the device. 4.⁠ ⁠⁠Loyalty: Get rewards when you invite your family & friends to join the Scrella family. They also get rewards! 5.⁠ ⁠⁠Wallet & Voucher: We have an in-built wallet that only allows you to pay for premiums, and withdraw referral rewards. You can also purchase plans using the Scrella Voucher. 6.⁠ ⁠⁠Claims: Seamlessly file claims when the unexpected happens, whether accidental damage or liquid spill, we got you covered! 7.⁠ ⁠⁠Claims Feedback: Provide us with feedback on how the claims process went to enable us to improve our processes. 8.⁠ ⁠⁠Reports: Did a repair go wrong? You can report that particular claim/repair for quick resolution. 9.⁠ ⁠⁠24/7 Chat Support: We are with you every hour of every day to listen to your complaints and provide a long lasting resolution to them.