Zelia Finance vs EarnIT.ng

Zelia is a Lagos-Nigeria-based credit-led neo-bank powering convenient access to credit facilities for the underserved Nigerian markets. With Zelia, the young Nigerian will not have to worry about fee deadlines and the businessman will experience easier access to project financing. The repayment terms range from 61 days to 365 days with Annual Percentage Rates (APRs) from 2% - 36%. No service fees, late repayment charges are applicable. Getting a loan is simple: 1. Get the App. 2. Sign up as a new user to create an account and submit the required KYC details (rest assured, we've streamlined the process to minimize form-related hassles). 3. Apply for a loan, selecting from options such as Tuition Advance, Student Personal Loan, or SME Loans. Once approval is granted, typically within 24 to 72 hours, the funds will be disbursed to your personal Zelia wallet. Users can then conduct transactions conveniently from there. Why choose Zelia Finance? Zelia Services Limited holds a license from the Lagos State Ministry of Home Affairs as a Money Lender, granted per section 5(2) of the Money Lenders Law of Lagos State. Approved by FCCPC (Federal Competition and Consumer Protection Commission) to be featured on app stores as a digital money lender (DML). We possess the NDPR (Nigerian Data Protection Regulation) trust mark. Choosing Zelia for your borrowing needs guarantees: Lower interest rates. Swift response times. Secure transactions. Loan Repayment Example: An entrepreneur borrows a principal amount of NGN 450,000 with a 12-month tenure and a monthly interest rate of 3%. Details: Principal: NGN 450,000 Loan Tenure:12 Months Monthly Interest Rate: 3% Repayment Information: Repayment Cycle: 12 Repayment Cycle Amount: NGN 51,000 Total Payable: NGN 612,000 You can reach out to us through the following channels: Website: www.zeliafinance.com Email: General inquiries: contact@zeliafinance.com info@zeliafinance.com Lending Inquiries: loans@zeliafinance.com Phone: Customer support: +2349088308010 Alternate contact: +2349088308011 Corporate office: Plot 1-5, Obagun Avenue, Off Fatai Atere Way, Matori, Mushin, Lagos State, Nigeria Please stay connected with us on social media: BankwithZelia

Pay bills, buy gift cards and travel eSIMs, shop on the marketplace, and earn from simple tasks, all from one wallet. EarnIT is an everyday app. Use your wallet to pay for essentials, earn from online tasks, buy and sell safely, send invoices, and more. Join thousands of people already using EarnIT to earn, spend and manage everyday payments in one place. PAY BILLS IN SECONDS Stay connected and handle everyday payments easily: - Airtime and data for Nigerian networks - Electricity tokens for prepaid and postpaid meters - Cable TV subscriptions - Exam registration PINs GIFT CARDS Buy gift cards from popular retail brands, available in US dollars and pounds. Your gift cards are delivered directly in the app and kept safely in My Gift Cards until you're ready to use them. TRAVEL eSIM Stay connected when you travel without searching for a local SIM. Choose your destination, pay in naira, and get your eSIM QR code in the app. Follow the step-by-step installation guide in the app. EARN ON YOUR OWN TIME Complete simple online tasks and earn. Browse available tasks, complete them, submit your proof and wait for review. Once your submission is approved, your earnings are added to your EarnIT wallet. Invite friends through the referral programme and earn referral rewards. MARKETPLACE Buy and sell products across Nigeria. - List your items for free - Browse products - Chat with sellers ESCROW Buy and sell with added payment protection. Create deals, keep funds protected while work or delivery is completed, and release payment when you're satisfied. CREATOR OPPORTUNITIES Turn your audience into income. Creators can apply for brand campaigns, connect their social platforms and create content for brands. INVOICES Create professional invoices directly from EarnIT. Generate a clean invoice, download it as a PDF and share it with your customers. YOUR EARNIT WALLET Your wallet brings everything together. - Fund your wallet by bank transfer - Withdraw to a bank account - Pay for bills, gift cards, eSIMs and marketplace purchases - View your transaction history - Track your payments and orders - Raise an issue directly from a payment when something goes wrong Earn. Spend. Buy. Sell. EarnIT is built and operated by Ocean Trends Digital Limited. earnit.ng support@earnit.ng