Ohere Credit vs Planmoni

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.

Whether you are a student looking to manage your allowances and pocket money, salary earner looking to manage salary and make money last till the next pay day or freelancer looking to manage lump-sums to avoid feast-and-famine cycles, Planmoni is for you. Planmoni brings money control to your fingertips. How it works:

 Vaults: Create Vaults for specific needs e.g “House Rent in July”. With Planmoni you will be able to fund your vaults and access them when due, this structured savings ensure your targets are met easily. Payouts: Create payout plans like personal salary and allowances, mini payroll, support and stipends for family and friends, these payout plans can be daily, weekly, monthly up to 5 years frequency or customized schedules. Planmoni handles timing and auto payouts ensuring money is disbursed to payout accounts at the exact date and time chosen by you. With over 50,000 active users, be rest assured your money is secured and safe, on top of that, we have strong partnerships to protect funds and ensure auto payouts are completed up to 99.9% of the time. Planmoni is not a bank, we operate via licensed banking partners You have questions? Send us email support@planmoni.com