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I urgently need to settle an overdue loan of 460,000 naira. I spent six months in the hospital due to illness, and the bank has refused to offer any leniency or deferment options. Now, after recovering, it is challenging to secure a well-paying job to resolve this debt. Debt collectors are relentless every day. I am sincerely asking for any assistance available. 4893 4704 0981 2994

I find it difficult and embarrassing to write this, but I have nowhere else to turn. Due to a temporary lack of work, I had to take out microloans and now I’m struggling to repay them. I am currently employed, but there’s no place to source the funds I need. Even a small contribution of 10 naira would be a great help. Thank you all in advance for your support. Card number 5476139875698321

Please assist with financial support or a loan.

I am a typical 19-year-old student in my second year at a university in Lagos, studying electrical engineering. I never imagined finding myself in such a predicament, but here I am. Throughout my life, I have been a source of pride for my parents: a top student, an athlete, and someone they could always rely on. However, during my first year, I made the mistake of trying my luck with sports betting.

I have a very tragic story. After a terrible road accident that took my husband’s life, I was left confined to a wheelchair. Now, the doctors are giving me hope that I may walk again, but it requires a significant investment. My adult children have already sold everything they can to fund the surgery, but it’s still not enough. I am sincerely hoping for your support and for the kindness of those who care about others in distress. Thank you very much in advance to those who can help.

Hello! I’m caught in a difficult life situation. I live with my husband and two small children. Unfortunately, in July, the business where I worked closed down, and I’ve been unable to find a new job because I have no one to help take care of the children. My husband also decided to stop traveling for work around the same time and began looking for a job closer to home, which has been ongoing for four months. As a result, I had to take on debt from a microfinance institution.

My husband is unaware of this debt, and I’m terrified to tell him because he is very strict and may not understand or might judge me harshly. I hoped to cover the payments with money set aside for the children, but it’s not enough even for the interest due to overdue amounts. I’ve already pawned my gold, and the debt keeps increasing with no means to pay it off. I can’t sleep at night and spend my days crying; my husband doesn’t understand why. I keep blaming it on hormones, but I don’t know how to tell him, and I fear his response would be, “You took it on, you pay it back.”

I’m reaching out for help. 639 002 11 902 852 7639.

I am visually impaired, and my wife is also disabled. On a pension, it’s impossible for us to buy a home. We need just 1,000,000 naira, and I’m appealing to those who can help. I’m not just asking; I am willing to repay. You provide 1 million, and I will return it to you over 10 years by paying 10,000 naira per month. Please hear my plea and help us.

Hello, we are a family of 5 and we are reaching out for assistance to buy our own home. We have a child with a disability and currently live in shared accommodation. Our financial situation is very tight, and we struggle to make ends meet. We cannot afford a home of our own. If you can spare even a small amount, it would bring us closer to our dream. Please help us if you can. Thank you for your kindness, and God bless you.

Hello! Due to strenuous physical work, my arm has stopped functioning. I live in the Lagos region, the city of Ibadan, with my mother. I am currently unable to assist her due to outstanding loans.

I am in need of injections and will undergo surgery on my elbow joint. Please help me get the necessary treatment for my arm. I will be immensely grateful to everyone who responds.

Kind-hearted individuals, please assist me in returning to a stable life, where I can earn my salary and not spend it all on loan interest, but instead buy basic necessities like fruit for my children. I am currently in a challenging situation because I overestimated my financial capacity.

After the birth of our second child, our financial needs increased, and we fell into debt. The birth was complicated and expenses began from the hospital. That is how the debts started, and they persist to this day. The total amount is 200,000 naira.

“Good afternoon to everyone seeking help and offering it!

I never imagined I’d find myself typing these words into a search engine: “Ask for financial assistance…” But here we are, faced with this reality.

My story of needing financial help for my family began five years ago. I’ll detail our situation as required by this platform:

Five years ago, my family (my husband, our son who was born in 2004, and I) decided to buy a plot of land and build a home. We wanted a place to escape for weekends and holidays from Lagos, where we share a small apartment with my husband’s parents, who are retired and disabled. They occupy the larger room, while we manage in a 12-square-meter space. The dream of having our own cozy space was appealing, and at the time, both my husband and I were employed with decent salaries. We decided to go for it and secured loans: one for the land (5,500,000 Naira) and another for building the house (7,500,000 Naira), resulting in monthly repayments totaling 60,000 Naira. Everything seemed fine.

Then, the unexpected happened. Just one day after securing the loans on 30th April 2015, I was informed that the company I worked for was bankrupt and would be closing. By the end of the holiday, all employees, myself included, were laid off. I quickly found another job, but it paid only half of what I previously earned. I resolved to find a better-paying job soon. A month later, I discovered I was pregnant again. My husband was overwhelmed, but we decided to persevere, continuing with our home-building project. The search for a high-paying job was paused as I prepared for the new baby.

Despite these challenges, I continued to work remotely after my daughter’s birth. We managed to keep up with the 60,000 Naira loan repayments and occasionally dipped into a credit card from Zenith Bank for extra funds, accruing higher interest over time. Payments sometimes reached up to 75,000 Naira monthly. Yet, we held on, focusing on completing our home, even without electricity, which remains unavailable to this day.

The situation worsened when my husband lost his job in October 2018. Loan repayments became impossible, and debts accumulated. A friend lent us 300,000 Naira, secured against our beloved land, to pay off part of the debt. These same friends offered my husband a job, which he still holds, earning an average salary plus commission. I also earn 25,000 Naira monthly, and an additional 18,000 Naira annually as a community leader. I’m working to bring electricity to our area to enhance its value, but it’s an uphill battle.

The COVID-19 pandemic exacerbated our issues, as my husband’s earnings were reduced to base salary only. He couldn’t work remotely due to the nature of his job. Meanwhile, my dental health deteriorated due to prolonged breastfeeding, making it challenging to pursue a higher-paying job. With dental procedures necessary at the age of 37, expenses mounted.

During quarantine, we fell behind on the 60,000 Naira monthly payments again. Both banks cancelled our loans, but we managed to negotiate a reinstatement and even restructured one debt to a longer-term with lower monthly payments of 20,000 Naira. We received a small allowance as a low-income family. Despite spending carefully, we ensured our children (our son, now 16, and our daughter, almost 5) had necessary items and nutritious food.

Our situation briefly stabilized but didn’t last. Although our friends showed understanding of our financial reality, they eventually asked for the 300,000 Naira repayment by mid-November. My husband can’t obtain new loans due to being on a bank blacklist. I’m anxious about possibly being declined for a loan, considering our linked financial standing. Without payment, my husband risks job loss, and our property could be seized.

I appeal to anyone who read this entire message, as words alone aren’t enough; we need financial assistance. Asking family isn’t an option, as most are retired. My grandmother, my children’s great-grandmother, is our sole supporter with limited resources. If proof is needed to validate this story, I’m willing to provide it.

I wish to end this “nightmare” of owing money everywhere and just live freely, starting with freedom from debts.

Thank you for listening to our story.

Good luck to everyone!”

Good afternoon everyone! About a year ago, I took out a loan for personal use while working for a large company. However, due to the outbreak of the new coronavirus, the company downsized by 40% as remote work was not profitable, and I was among those affected. Currently, I am unemployed, and the loan has become overdue, having been handed over to debt collectors who are insisting on repayment. I would be incredibly grateful to anyone who can assist me; I am eager to settle this debt and move forward with my life. Thank you in advance to everyone who understands and is willing to help.

Good evening, I am reaching out in desperation. We are a large family living in Lagos and we have found ourselves in a difficult situation. My mother’s leg was amputated, and her pension is not enough to cover the cost of her medications and other essentials. Additionally, we have a child with disabilities and need to provide for the entire family. My husband is also facing health issues and is currently unable to work. With spring approaching, we need to buy clothing for our children. Please, if you can, help us.

Hello, my name is Amina. Please help me from Nigeria, for an expensive surgery for my baby. He is 7 months old and has a cancerous tumor. I cannot afford this alone as my husband passed away a year ago. The cost of the surgery is 88,000 dollars. Any assistance from you can save my baby’s life. Card number: 4405 6397 7276 4203.

Hello, I am currently facing a very difficult situation in life. I am working tirelessly for long hours to invest in the repair of my home, which is in terrible condition. I have nowhere to live; there is no electricity or water, and the floors have been dismantled. I am trying to save up for materials. I am reaching out for some financial assistance for essentials like food and clothing, not for the repairs themselves. I have no one else to turn to. I can provide all the necessary proof if required.

PLEASE HELP! We have lost our father, and everything depended on him, now it’s become very difficult! My mum has a loan in Naira that I’d like to help her pay off, but I don’t have the funds. He also couldn’t finish the renovations in the bathroom and kitchen due to illness. We need to install tiles, fix the ceiling, and set up the kitchen! I really hope for help to make my mum’s eyes sparkle with happiness again, even after such a loss, because they were married for 25 years. It’s very hard for her, as well as for me and my brother, to stay without the person who was always our rock!