Every Nigerian dreams of getting a loan with low interest rates. Unfortunately, most people are offered loans with high charges because of their credit history. Banks and lenders reward people with excellent credit scores, while those with poor credit often face rejection or higher rates.
So how can you position yourself for low-interest loans? PebbleScore provides the tools you need.
Step 1: Check Your Latest Credit Report
The first step is knowing where you stand. Your credit report gives lenders a snapshot of your borrowing history. By checking your report on PebbleScore, you can see what lenders see before they decide on your loan application.
Read our blog on why your credit score isn’t going up after paying off loans
Step 2: Repair Your Credit
If your report shows outstanding loans or negative records, you must repair them. PebbleScore allows you to pay off bad loans, set flexible repayment plans, and update your records with the credit bureaus.
This process improves your credibility with lenders and boosts your eligibility for better offers. You can learn more in our blog on credit repair for beginners
Step 3: Grow Your Score with Boosters
Beyond repair, you also need to build a stronger score. PebbleScore Boosters reward consistent bill payments by recording them as positive credit history. Over time, this increases your score and makes you eligible for lower-interest loans.
See our tips on building a strong credit history in Nigeria
Step 4: Access PebbleScore Loan Marketplace
Once your score improves, you can explore PebbleScore’s Loan Marketplace. Here, you’ll find loan offers from trusted lenders with lower interest rates.
And if you’re not yet eligible, don’t worry. Download PebbleScore, repair your credit, and grow your score until you qualify. You can also read our blog on empowering Nigerians with better loan access
Conclusion
Low-interest loans are not out of reach. With PebbleScore, you can repair your credit, grow your score, and access better loan opportunities directly through our marketplace.
Don’t wait for another rejection, Download Pebblescore and Check your credit report today