For decades, MILO has been more than a household name. Beyond delivering its iconic Malt, Milk and Cocoa Beverage to millions of Nigerian families, the brand has consistently championed initiatives that create meaningful impact. From inspiring an active lifestyle among children through the  MILO Building Champs initiative to nurturing future sports stars through the MILO School Basketball Championship and inspiring environmental stewardship through the MILO ELEVATE Recycling Initiative, MILO has built a legacy of nourishing potential, inspiring champion values, empowering communities, and earning the trust of generations of Nigerian families. 

Today, that legacy is taking on a new expression with the launch of the MILO Text & Win Promotion, a nationwide campaign that transforms appreciation into action by rewarding the consumers who have made MILO part of their family traditions over the years.

Running from July to September 2026, the three-month promotion gives more than two million consumers the opportunity to win airtime worth over 鈧�2.9 billion, cash prizes ranging from 鈧�250,000 to 鈧�1 million, and six brand-new vehicles. Five lucky winners will drive home new cars through the bi-weekly draws, while one grand prize winner will receive a brand-new family SUV.

Taking part is designed to be as simple as opening a sachet of MILO. Consumers only need to purchase a participating MILO 20g promotional sachet, uncover the unique nine-digit code inside the pack, and submit it by dialling *8011*4# or scanning the QR code on the back of the sachet. Every valid entry unlocks another opportunity to be rewarded.

The campaign was officially unveiled at Nestl茅 Nigeria’s headquarters in Lagos, bringing together representatives of the Federal Competition and Consumer Protection Commission (FCCPC), the National Lottery Regulatory Commission (NLRC), members of the media, distributors, and Nestl茅 executives to mark the beginning of a campaign centred on recognising the people who have stood behind the brand for decades.

For Gilbert Tweneboah-Koduah, Category Manager for MILO, the promotion is about making appreciation tangible. Rather than simply thanking consumers for choosing MILO over the years, the Text & Win Promotion transforms an everyday purchase into an opportunity to celebrate the people whose continued support has shaped the brand’s journey.

Delivering a campaign of this scale requires more than exciting rewards; it also requires a process that consumers can trust. From the launch, transparency remained central to ensuring that every participant had confidence in the promotion.

Representing the Federal Competition and Consumer Protection Commission (FCCPC), Dr. (Mrs.) Olubunmi Oti explained that the Commission’s role is to provide oversight, monitor the promotion, and ensure consumers receive their rewards exactly as advertised.

For a campaign designed to reach millions of consumers, widespread availability is essential. According to Commercial Director Boladale Odunlami, strong collaboration across the value chain has brought together distributors, trade partners, and retailers to ensure participating promotional sachets are widely available across the country, giving consumers in communities nationwide an equal opportunity to take part.

As the campaign unfolds over the coming months, millions of consumers will have the opportunity to win exciting rewards, but perhaps the greatest reward is knowing that their loyalty is seen, valued and celebrated.

The month-long tournament brought together eight tertiary institutions across Imo State, providing a platform that celebrated football, promoted healthy competition, and fostered unity among students.

Earlier in the day, the Federal University of Technology Owerri (FUTO) secured third place after defeating Federal Polytechnic Nekede 2鈥�1 in the third-place playoff. As champions, IMSU received 鈧�1 million, while Alvan received 鈧�750,000 and FUTO took home 鈧�500,000.

The grand finale attracted an estimated 4,000 spectators, while the tournament recorded an estimated 13,500 attendees across all match days, reflecting the enthusiasm and support the competition received from students and the wider Imo community.

Representing the Governor of Imo State at the grand finale, Deputy Governor, Her Excellency Lady Chinyere Ekomaru, commended the participating institutions for their sportsmanship and praised the organisers and sponsors for creating a platform that positively engages young people.

“I want to thank the schools that competed until the final. Thank you immensely for using your youthful energy so resourcefully,” she said while congratulating IMSU on their victory and encouraging students to continue embracing opportunities that promote unity and personal development.

As title sponsor, used the tournament to engage directly with students through on-ground activations, branded experiences, merchandise distribution, and educational sessions introducing attendees to the platform. Students also participated in social media challenges, created user-generated content, and interacted with the OneDosh team throughout the competition.

Reflecting on the tournament, a lead from , described the inaugural edition as a success.

“Seeing students from different institutions come together with so much excitement, energy and unity was exactly what we hoped to achieve. Beyond football, this tournament created an opportunity to connect with young people in a meaningful way, and we’re proud to have been part of something that brought communities together.”

The event was attended by several dignitaries, including the Deputy Governor of Imo State, the Commissioner for Sports Development, the Commissioner for Youth Development and Talent Hunt, members of the Imo State House of Assembly, university management representatives, sports administrators, student leaders, and other stakeholders.

The successful conclusion of the maiden Imo State Unity Cup reinforces the tournament’s objective of promoting unity, sportsmanship, youth engagement, and community development while demonstrating OneDosh’s continued commitment to supporting initiatives that create lasting value for young Nigerians.

About OneDosh

is a global finance platform that enables individuals and businesses to receive, manage, and spend money across borders through innovative financial solutions, including USD wallets, virtual accounts, stablecoin wallets, and global payment cards.

Surrounded by family, close friends and notable personalities,, including a host of BBN alumni and industry personalities,  Kola celebrated the new decade in an atmosphere defined by great conversations, heartfelt toasts and genuine connection.

Throughout the evening, The Singleton naturally became part of those shared moments, reinforcing the idea that the best experiences are not rushed, but savoured. As the celebration moved from dinner to the rooftop, guests settled into an evening of music, laughter and effortless conversation, capturing the spirit of The Singleton Unplugged.

“At The Singleton, we believe some of life’s most meaningful moments happen when we intentionally slow down,” said Ifeoma Agu, Head of Culture & Influencer Partnerships. “The Singleton Unplugged is our invitation to embrace those moments, to disconnect from the noise, reconnect with ourselves and the people around us, and savour experiences that leave a lasting impression. Kola’s milestone celebration reflected that philosophy beautifully, creating space for genuine conversations, meaningful connections and the simple joy of being present.”

The celebration is accompanied by a new digital content series featuring Kola Omotoso, offering a glimpse into the routines, rituals, playlists, creative inspirations and relationships that shape his everyday life. Through each episode, the series explores the value of slowing down, embracing the present and finding meaning in life’s quieter moments.

As Kola steps into a new decade, his journey serves as a reminder that the moments worth savouring are often the ones we make time for. Whether it’s sharing a glass of The Singleton with friends, reconnecting with loved ones or simply taking a moment to unplug from the demands of everyday life.

ABOUT THE SINGLETON 

The Singleton is a premium single malt Scotch whisky, crafted with a commitment to quality, patience, and character. Known for its smooth and rich profile, the brand celebrates the art of slow craftsmanship and invites consumers to savour meaningful moments and exceptional stories.

Are you the big-picture dreamer, the London returnee with pure steeze, the anti-Lagos operational genius, or the military-grade skeptic?

The true, unvarnished story of how five friends built VFD Group out of the 2008 financial crash is finally out in the hit new book, The Challengers by renowned novelist Dr. Eghosa Imasuen. But before you go read the ultimate blueprint on homegrown grit, take this quiz to find out which Challenger you鈥檇 be in the boardroom!

Now That You Know Your Energy… What Next?

Finding out your founder lookalike is just step one. Understanding how 5 completely different personalities survived the 2008 economic crash and built a multi-billion-naira powerhouse without tearing each other apart? That鈥檚 the real story.
1. Claim Your Bragging Rights

Screenshot your result or share the link with your group chat to see who in your squad is fixing the operations and who is bringing the wild ideas!

2. Read the Story Behind the Steeze
Want to know how your founder鈥檚 match actually made their millions? Get the full corporate thriller that everyone in Nigerian business is talking about right now.
Written by Eghosa Imasuen with a foreword by Chief Olusegun Obasanjo, The Challengers is officially out and available in bookstores nationwide and globally on Amazon.

Click here to get your copy of The Challengers –听

About the Author of The Challengers

Eghosa Imasuen is a Nigerian writer, publisher, and medical doctor. He is the author of the critically acclaimed Fine Boys (2012), a coming-of-age novel that was inducted into Ohio University鈥檚 prestigious Modern African Writers series in 2021. A long-time facilitator at Chimamanda Ngozi Adichie鈥檚 annual writing workshop, Imasuen also served as a consultant for the CANEX Book Factory under Afreximbank鈥檚 Creative Africa Nexus initiative.
A 2018 Civitella Ranieri Fellow, he lives in Lagos with his wife and twin sons. The Challengers (2026) is his third book and his first major work of narrative nonfiction.

On the 25th of June, 2026, BellaNaija launched the Next Gen Creator House, a high-energy, digital-first, experiential full-day immersive workshop designed for Next GEN Creators, in partnership with Google Gemini. 

The event, held in Lagos, Nigeria, brought together some of Nigeria’s most promising young creators aged 18 to 25, industry leaders, and technology experts, and served as a hub for learning, collaboration, and innovation.

From panel sessions to presentations and interactive, practical Google Gemini sessions, young creators learned directly from industry experts such as Toke Makinwa, Tosin Ajibade, Enioluwa Adeoluwa, Korty O, Abisola Alawode, Uzoamaka Power, and Taiwo Kola-Ogunlade.

听During the fireside chat, Toke Makinwa encouraged creators to be hungry for success and to follow their paths and dreams, regardless of their unconventionality. Enioluwa told creators to treat creation as work, not as a pastime. 鈥淵ou should provide structure around what you do, have your work hours, and a team if you can afford it. Above all, create.鈥� Korty shared the secret to her brilliant interviews: 鈥淏e interested in your guests, be curious about them and their journeys 鈥� that is the only way you can have great conversations with them鈥澨�

For young creators who cannot afford to be entrepreneurs, Abisola said they can be creators within their organisations, in line with their organisations鈥� policies and visions. 

As the world becomes more algorithm-driven, Taiwo encourages young creators to constantly check their analytics, ensuring it guides how they create. Uzoamaka Power encouraged creators to be true to themselves and not simply imitate trends. Tosin Ajibade had one major piece of advice to creators: 鈥淔ollow the trend but evolve while at it鈥�.   

It didn鈥檛 end with panel sessions; there were hands-on workshops, creator challenges, and interactive discussions, and participants gained practical knowledge in content creation, storytelling, personal branding, audience growth, and the responsible use of emerging technologies, including artificial intelligence.听

The practical Google Gemini session taught participants how to make music, create designs, write the perfect prompts and more using Gemini. 

As BellaNaija clocks 20, the Head of Editorial and Innovation, Oluwadunsin Sanya, touched on 20 years of positive storytelling, innovation and impact, encouraging creators not to succumb to sensationalism. 鈥淭he stories you tell today are the stories we鈥檒l become tomorrow,鈥� she said.  

As the creator economy continues to reshape how people learn, connect, and build careers, BellaNaija is providing young creators with access to the resources and guidance needed to unlock their full potential and bridge the gap between talent and opportunity.

Reflecting on the vision behind the initiative, BellaNaija鈥檚 Chief of Staff and Head of Strategy, and the Programme Director of the Next Gen Creator House, Mary Edoro, said Next Gen Creator House is BellaNaija’s answer to a question we’ve been asking ourselves throughout our 20th anniversary year: what does it mean to genuinely invest in the next generation, not just talk about them? 鈥淭his wasn’t just a conference about young creators. It is a space we have intentionally built for them, with the tools, mentorship, and access to actually build something real for Africa鈥檚 future.鈥�

About BellaNaija

BellaNaija is one of Africa’s leading digital media platforms, dedicated to amplifying the best of Africa and its people through storytelling.  

Through news, entertainment, lifestyle, cultural stories, social campaigns and more, BellaNaija continues to inform, inspire, and connect millions of people across the globe.

鈥淗e picked up other people like a taxi鈥� 鈥� Choice*, 24

The driver wanted to avoid traffic by taking a route I wasn’t comfortable with, but I insisted we stick to the one shown on the app. That’s when he told me I’d have to pay extra if we stayed on that route.

When I refused, he threatened to pick up other passengers. I thought he was bluffing until he actually stopped and let two strangers into the car while I was still inside. I complained the entire time, but he kept telling me to ‘do my worst’. After reporting the incident, all I got from the app was a discount on my next ride.

鈥淭he fees doubled by the time we arrived鈥� 鈥� Bolaji*, 31

Last December, I booked a ride from the airport to the Island, and the app quoted about 鈧�24,000. I usually pay before the trip ends, but this time I forgot. When we got to my destination, the driver asked if I’d seen the updated fare. I checked, and it had jumped to 鈧�55,000.

I still don’t know how it happened. I definitely didn’t have that kind of money on me, so I had to start calling family members to help me pay. I tried reporting it through the app afterwards, but nothing meaningful came out of it. It honestly felt like a scam.

鈥淗e re-routed so the price increased鈥� 鈥� James*, 29

I was in a hurry and booked a ride to a route I know like the back of my hand. But instead of following the road I kept pointing out, the driver kept taking random turns. Every time I questioned him, he’d insist he knew a better route.

Then he suddenly drove far off the route and pulled into a filling station. When I asked what was going on, he said his tank was almost empty and this was the closest place to buy fuel. By the time we got back on the road, the fare had jumped from about 鈧�3,000 to 鈧�8,000. I refused to pay the extra amount because none of it was my fault, but he started insulting me and causing a scene. I eventually paid because I just wanted to leave. I got to my destination late and frustrated.

鈥淚 was abandoned at a deserted area鈥� 鈥� Mary*, 24

Earlier this year, I booked a ride without any issues because I was happy with the fare the app showed. We hadn’t even covered a quarter of the journey when the driver suddenly said I’d have to pay more than the quoted price.

I told him I only had enough to pay what the app showed, but he got angry, then pulled over and threatened to drop me by the side of the road if I didn’t agree. Before I could even process what was happening, he drove off and left me in a deserted area. I had to walk a long distance before I finally found a taxi. It was a terrifying experience.

鈥淭he driver threw a stone at me鈥� 鈥� Ayo*, 19

Everything was fine until we got close to my destination. The driver suddenly said he wouldn’t drive down my street because the road was bad. I told him I shouldn’t have to pay the full fare if he wasn’t completing the trip.

I transferred the money minus 鈧�1,000 because I’d now have to walk the rest of the way. He completely lost it. As I walked away, he kept insulting me and even threw a stone that hit my back and injured me.

If there’s one thing these stories prove, it’s that Lagos commuters aren’t asking for too much. They just want rides that are comfortable and drama-free. That’s exactly what VOLTAA is building.

VOLTAA is a premium, zero-emission, all-electric mobility ecosystem designed around the everyday frustrations Lagosians know too well. An all-electric fleet means no unexpected fuel stops halfway through your trip, while trained, professional drivers help ensure every ride starts and ends smoothly.

Ready to experience a different kind of commute? Download the VOLTAA app on the or to join the early access waitlist and receive a welcome discount code.

Buying airtime in Nigeria in the early 2000s was a difficult and mostly offline affair. You may have to walk a distance to find a vendor, then buy a scratch card, carefully scratch it, and dial the number. The whole process can take from a few minutes to hours.

Then came virtual Top-Ups(VTU) and USSD in the late 2000s. Banks and telecos partnered to top up phones automatically. It was a huge uplift.

But in 2015, fintech and third-party apps burst onto the scene to change airtime recharge forever. These apps powered fast, cashless transactions, offering extra flexibility without requiring a debit card. The best ones are known for great deals, cashbacks, and occasional discounts.

This piece discusses some of the best networks to buy airtime online in Nigeria today.

Top Platforms to Buy Airtime Online in Nigeria听

The best platforms to buy airtime online in Nigeria include Cardtonic, BuyCard, VTpass, Tingtel, AidaPay, and VTU.ng

1. Cardtonic

Mostly known for gift card trading, Cardtonic offers a multi-purpose platform to buy airtime from every single network provider in Nigeria: Airtel, MTN, GLO, and 9Mobile. Its services are highly reliable, with instant delivery and 24/7 availability.

There is simply no time off; the support team is available at any time to promptly address issues should they arise.

Purchasing airtime on the Cardtonic app is really straightforward. With just a few taps, it’s done. And then you get about 2% discount on your recharge.

Payment options are flexible; you can use a digital wallet, bank transfers, or gift card trading. No extra inconvenience of carrying your debit card around.

Furthermore, Cardtonic’s advanced app encryption ensures you have nothing to worry about. The safety of user data and funds is guaranteed. Always.

2. BuyCard

BuyCard doesn鈥檛 just help you buy airtime online. It also allows you to pay for any type of utility bill, including exam scratch cards. Its simple web interface ensures great ease of use for tech- and non-tech-savvy users alike.

BuyCard also offers a mobile app for extra flexibility and payment security. You enjoy flexible payment options: debit card or bank transfer. As such, you can make a payment in-app without hassles. Once done, BuyCard delivers airtime recharge instantly without delays. 

Customer support is just a tap away via WhatsApp or a call. BuyCard ensures zero service disruptions even at dusk. And then, loyal customers enjoy occasional bonuses on the app. 

3. VTpass

VTpass lets you pay all sorts of utility bills, including airtime, data, TV, and event tickets. It offers extra flexibility by providing a simple web and mobile app interface.

And then, payment options aren鈥檛 limited to a single option; you have cards, bank transfers, and even mobile money. You also get fast response times via chat, call, and socials. 

On VTpass, users enjoy extra perks such as occasional cashbacks and points for eligible transactions. Beyond that, more opportunities exist. You could choose to partner as an agent or affiliate to earn on VTpass.

4. Tingtel

Tingtel isn鈥檛 a regular payment app. It’s an all-in-one bundle. Tingtel lets you buy airtime from just any provider in the country. Unlike other providers, Tingtel allows you to top up airtime for your staff or customers in bulk via airtime vouchers.

Tingtel also stands out, with its unique Airtime-to-Cash feature. You can sell your excess airtime and have the cash credited to your bank account without hassle. 

Other extra addons include the transfer-airtime-to-another-network feature as well as the contactless airtime. You can practically deduct airtime from your available balance and fund your digital wallet for other payments. So many workarounds within a single app.

5. AidaPay

AidaPay offers cheap airtime and data for everyday users in Nigeria. It provides the best deals on airtime and data, and about 鈧�20 cashback when you use the app.

The payment options are extra flexible. You can choose the AidaPay wallet if you鈥檝e got funds already. Otherwise, you can use a card payment or a bank transfer.

AidaPay recently launched ScanPay to make it easier for users to make transfers. You just need to scan any bank account number and make instant transfers.

The real flex is becoming an AidaPay agent. You enjoy even more cashback and more earning opportunities. 

6. VTU-ng

VTU-ng offers up to 2% discounts and cashback for regular customers and up to 2.5% for resellers and API users. It is built to let you buy airtime without stress. 

VTU-ng provides not only a web app but a mobile app for easy access and flexibility. It is also one of the select platforms where you can easily resell your excess airtime and data. You just have to register to start.

Payment options within the app aren鈥檛 limited to digital wallets; you enjoy extra options such as debit cards, USSD, and bank transfer.听

Frequently Asked Questions About Buying Airtime Online in Nigeria

1. What’s the Best Platform to Buy Airtime Online in Nigeria?

Cardtonic is arguably the best platform to . It combines high reliability, security, and diligent customer support. Furthermore, Cardtonic offers as many features within a single app: bill payments, gift cards, and virtual cards.

2. How to Buy MTN Airtime Online?

To , you can use either the MTN app, eShop, or third-party apps like Cardtonic. Unlike custom apps, Cardtonic lets you recharge not just MTN but other networks from a single app.

For other networks, buying airtime online is the same as before. You can opt for a native app, website, or third-party apps. Remember to choose your preferred provider and follow the prompt to complete.

3. Is it Safe to Buy Airtime Online in Nigeria?

Yes, it is generally safe to buy airtime online in Nigeria, even if you鈥檙e just starting out. You just need to set up your physical SIM or install an ; then proceed to use trusted platforms like BuyCard, Cardtonic, or VTpass.

4. How Do I Pay for My Airtime?听

Most third-party apps let you pay for airtime online using digital wallets. They are often the first option. However, alternative options include direct bank transfer and debit cards.

5. What Should I Do if My Airtime Doesn鈥檛 Reflect?听

If your airtime recharge doesn鈥檛 reflect after 5 minutes of completion, you may want to check your transaction history and balance. If this fails, you may proceed to contact customer support.

6. How to Convert Excess Airtime to Cash?听

If you wish to swap excess airtime credit for cash, you may want to use third-party apps like Tingtel, AirtimeToCash, and Airtimeflip.

Conclusion

Times have changed, but airtime platforms are not all the same. They all have their unique strengths and features. As such, each user must determine the platform that best serves their needs.

Cardtonic offers the best of both worlds: reliability, in-app security, and customer support. While Tingtel is versatile, allowing users to do more within a single app. 

In contrast, BuyCard and VTpass are favoured due to their simple interface. While VTU.ng and AidaPay are the best options for users seeking pure discounts.

On Sunday, July 12, Harrow Park came alive as hundreds of food lovers, music enthusiasts and culture lovers gathered for the second stop of the Knorr Jollof Fest, a multi-city celebration of food, music and culture. With this year’s theme, For The Culture, Knorr once again brought together everything Nigerians love in one place, from unforgettable flavours to music, art and immersive experiences. Hosted by fan favourites, Tobi Bakre and Kaylah Oniwo, the energy barely dropped from start to finish.

Here are five highlights we simply couldn’t ignore.

1. You Could Literally Eat Your Way Around the Festival

Nobody left Knorr Jollof Fest hungry.

One of the biggest crowd magnets was the Jollof sampling stations, where guests enjoyed different variations of Nigeria’s favourite dish completely free. Whether you preferred Smokey Party Jollof, Coconut Jollof, Spicy Jollof or even Jambalaya-inspired flavours, there was something for every palate. All it took was a quick QR code scan before receiving a steaming plate of Jollof goodness.

Safe to say, many people went back for seconds… and thirds.

2. Every Corner Had Something Fun Waiting

Calling it a food festival doesn’t quite do it justice.

There was something to discover around every corner. Guests explored the Knorr Herbs & Spices Garden to learn about the ingredients behind their favourite seasonings, tapped into their creative side at the complimentary Sip & Paint sessions, adorned themselves with intricate henna designs at The Henna station, challenged friends in the gaming zone and stopped by vibrant photo installations to capture memories. 

The experiences didn’t stop there. Guests also gathered around the Gist & Jollof Podcast, where Taymesan led lively conversations that added another layer to the day’s celebration. With food and drink vendors serving everything from local favourites to refreshing beverages, every corner of the festival offered something worth exploring. 

3. The Masterclasses Put a Fresh Spin on Jollof

Who says Jollof can’t evolve?

Knorr’s culinary collaborators, Chef Ahr, Chef Amaka, Chef Cupid and Chef Dee, took festival-goers on a delicious journey through creative interpretations of Nigeria’s most iconic dish, all powered by the new Knorr Smokey Party Jollof Seasoning.

Chef Dee surprised everyone with his inventive Jollof Sushi, while Chef Ahr drew inspiration from Northern Nigeria with her flavour-packed Jollof Taushe. It wasn’t just cooking鈥攊t was proof that Jollof can wear many hats without losing its identity.

4. Knorr Made Sure Nobody Missed a Moment

In 2026, if it isn’t online, did it really happen?

Thankfully, Knorr had that covered. Guests stayed connected throughout the festival with free WiFi, making it easy to livestream performances, upload content, share photos and flood social media with real-time updates from Harrow Park.

Because great memories deserve great internet.

5. The Entertainment Delivered a Proper Abuja Shutdown

As the sun went down, the party turned all the way up.

From DJ Burna’s electric sets to Dope Caesar’s crowd-moving transitions and Do2dtun’s infectious energy on the mic, the entertainment lineup kept the festival buzzing until the very end. The soundtrack of the day was elevated with music from Adekunle Gold’s FUJI album, creating the perfect backdrop for an evening that celebrated culture in every sense.

One of the biggest moments of the day came with the official Abuja unveiling of the new Knorr Smokey Party Jollof Seasoning. Introduced with a confetti-filled stage reveal, the newest addition to the Knorr family promises to bring that unmistakable smoky party Jollof flavour into kitchens across Nigeria.

With Lagos and Abuja now successfully checked off, all eyes are on Port Harcourt for the final stop of the Knorr Jollof Fest trilogy. If the first two editions are anything to go by, the grand finale promises even more flavour, fun and unforgettable moments.

Missed the Abuja edition? Catch all the highlights in Knorr’s official recap and see what everyone has been talking about. And if you’re planning to be part of the final stop, head over to social media for updates on the next stop.听

That鈥檚 where the new NIVEA Derma Control range comes in. Made with 100% Pure Hyaluron and enriched with vitamins, it鈥檚 designed to give your underarms the same attention you give your face or body. It goes beyond sweat protection to provide superior care for your skin.

Two Solutions, One Goal: Healthier Underarms

• Derma Control Defend: made with Pure Hyaluron enriched with Pro-Vitamin B5, which reduces skin irritation and prevent itchiness caused by friction inducing activities such as shaving, it nourishes your underarms and delivers reliable sweat and odour protection.
• Derma Control Natural Tone: combines Pure Hyaluron with Vitamin C to reduce dark marks and restore your natural tone, alongside long-lasting protection, it supports smoother, healthier-looking skin.

While both deodorants are designed for specific functions, they both provide strong antiperspirant protection paired with skincare benefits beyond the basics.

Why Choose NIVEA Derma Control Deo

• Nourishes for softer, healthier underarms
• Reduces dark underarms听
• 72h sweat and odour protection
• Strengthens skin resilience against irritation
• Prevents itchiness and discomfort caused by shaving

Your underarms deserve more than just staying dry. With the NIVEA Derma Control range, you get protection that lasts and care that makes a visible difference. Whether it鈥檚 defending against irritation or restoring your natural tone, these deodorants are sure to give your underarms the same attention you already give the rest of your skin.

However, the difference between a loan that aids and one that keeps you up at night usually comes down to one specific thing: having a well-thought-out plan before the money even lands.

If you鈥檝e been hesitant about taking out a loan because you鈥檙e worried about getting stuck in debt, these tips can help you borrow with confidence and stay in control.

1. Borrow what you can comfortably repay, not the highest amount you鈥檙e offered

Getting approved for a larger loan doesn鈥檛 mean you should immediately take it. Before you accept any offer, think about how the repayment fits into your monthly income. If making repayments would force you to cut back on essentials or leave you panicking every month, the loan is definitely bigger than you need. Trust us, you don鈥檛 want that headache. 

A good rule of thumb is to keep repayments within about 20 to 30% of your monthly income. Your future self shouldn鈥檛 have to struggle because your present self accepted more money than necessary.

2. The money should come with a purpose 

The easiest loans to repay are usually the ones with a clear purpose. It could be because you鈥檙e getting essentials for your business, paying your sibling鈥檚 tuition before your next salary arrives or covering a life-or-death medical emergency. Whatever the reason is, you should be able to have a coherent explanation for why you鈥檙e borrowing and how you intend to pay  it back.

If you can鈥檛 answer those questions before applying, it is advisable that you wait until you can.

3. Choose a repayment period that matches your reality 

We don鈥檛 believe every loan should be repaid over the same timeline. If you鈥檙e borrowing to get through the week before salary arrives, a short repayment period makes sense. If you鈥檙e financing stock that won鈥檛 get sold out the moment it hits the shelves, you鈥檒l need enough time for the business to generate income before repayments become due. 

A loan should be able to work with your income, and not against it. 

4. Set aside your first repayment before spending the loan

Yes, this sounds simple, but keep in mind that it can make a huge difference. As soon as the money enters your account, put your first repayment aside, and treat it as money that no longer belongs to you. It might be hard, but doing this immediately gives you breathing room and makes it much easier to stay on track when the repayment date arrives.

5. Make sure to think twice before borrowing that money 

Some expenses solve actual, real problems, but others simply satisfy a temporary want. Borrowing to pay rent, cover medical bills or invest in your business can make sense because those expenses meet important needs or create future value. Borrowing to fund a luxury bag, an expensive trip to the Maldives or keep up appearances is much, much harder to justify because once the excitement fades, the repayment remains. It鈥檚 not going to disappear out of thin air.听

Before taking the loan, it鈥檚 extremely important to ask yourself one question: will this still feel like a good decision when the first repayment is due?

6. Repay early (if you can) 

Paying off a loan ahead of schedule not only reduces interest, but it also establishes a stronger borrowing history for you. With Carbon, early repayment can unlock higher loan limits and lower interest rates on future loans. In other words, borrowing responsibly today can make borrowing easier and more affordable if you ever need another loan.听

It is true what they say about good financial habits often paying off in more ways than one.

8. That loan isn鈥檛 free money. Don鈥檛 treat it like one

Although the money may arrive in your account within minutes, keep in mind that it was never extra cash for you to just spend willy-nilly.

The borrowers who stay in control are usually the ones who decide exactly how every naira will be used before they even start spending. They know where it鈥檚 going, how they鈥檒l repay it and what they鈥檒l do if something unexpected comes up. That mindset alone can be the difference between a loan that works for you and one that turns into a burden.

Borrow with a plan, not just a need

A lot of people tend to fear loans, and while that is understandable, given the economic climate we currently exist in, it isn鈥檛 actually something to be scared of. It鈥檚 a financial tool, and like any other tool, it works best when you know exactly how you鈥檙e going to utilise it to the best of your ability.听

If you鈥檙e looking for a loan that rewards responsible borrowing, lets you apply in minutes, manage repayments easily and even enjoy better borrowing terms when you repay early. That鈥檚 one good financial habit that keeps rewarding you, even after you鈥檝e finished repaying the loan.