Free debt support for Nigerians

Owe less.
Live lighter.

NGuardian helps you challenge unfair loan charges, negotiate a fair settlement, and protect your peace of mind — at no cost.

Start your relief case See how it works ↓
₦0Our service fee
PrivateYour evidence stays protected
Human-ledEvery case is reviewed
✓
Potential relief₦128,400
9:41
Guardian
●

Good morning, Amara

Let's protect your peace of mind.

Loan reliefAt no cost
→

How can we help?

₦Loan WaiverReduce unfair charges
!Report LenderDocument a violation
N
Relief caseOffer received
₦84,200
●Home□Cases◆Lawyer○Account
N
NGuardian LawyerI'm here to help.
Why NGuardian

Debt pressure should not
own your future.

When fees keep rising and calls become threatening, it can feel like you are on your own. You are not. NGuardian gives you a clear, private path to document what happened and ask for a fair resolution.

Built for everyday Nigerians
₦ No fees to NGuardian
⌁ Clear case updates
◇ Evidence under your control
Support that moves with you

One shield.
Three ways forward.

Start with the support you need today. Your case details, documents and updates stay together in one secure place.

01
₦
Loan relief

Ask for a fair settlement.

Share your loan and hardship details. We help structure a proposal to reduce interest, rollover fees and penalties.

Explore loan relief
Original debtFairer outcome
02
!
Consumer complaint

Put unfair treatment on record.

Document harassment, privacy breaches, hidden charges or unauthorised deductions and attach supporting evidence.

See how evidence works
03
§
NGuardian Lawyer

Get clarity before your next step.

Ask a general question or talk through an existing relief or complaint case in English or Nigerian Pidgin.

Meet your Lawyer
Do not worry. Let's look at your options together.
How loan relief works

From pressure
to a clear plan.

No confusing hand-offs. Follow your case from the moment you submit it to the moment a repayment is confirmed.

!

Your money never comes to us. You repay directly in the original lender app, only after settlement terms are confirmed.

  1. 01

    Tell us what happened

    Add your loan, charges and hardship details. Evidence is optional.

    ~5 min
  2. 02

    We review and negotiate

    Your case is reviewed and a fair repayment proposal is prepared.

    Case update
  3. 03

    You choose the offer

    Review the settlement terms in the app. Nothing moves without your acceptance.

    Your decision
  4. 04

    Repay, then close the loop

    After lender confirmation, repay in their app and upload your receipt for review.

    Final proof
⌁
PDF
Loan statementPrivate evidence
✓
JPG
Call screenshotPrivate evidence
✓
Only you and authorised case staff
Private by design

Your story is yours.
So is your evidence.

Your uploaded images and PDFs are stored as private case evidence. They are not sent to the NGuardian Lawyer AI. Lawyer conversations use structured case text and messages only.

  • ✓
    Private file accessEvidence is linked to your case and protected from other customers.
  • ✓
    You stay in controlAccept offers yourself and follow every important case change.
  • ✓
    Honest complaint statusWe tell you when a complaint is under internal review and if its status changes.
“
No condition is permanent. A clear record, a fair conversation and the right support can change what happens next.

The belief behind NGuardian

Straight answers

Questions,
answered clearly.

Does NGuardian charge a fee?+

No. NGuardian does not charge customers for loan relief support, complaints or Lawyer conversations.

Will NGuardian pay my lender?+

No. NGuardian does not collect or move your repayment. When a settlement is confirmed, you pay the lender directly in the original lender app.

Is a complaint sent to a regulator immediately?+

No. A new complaint is received by NGuardian for internal review. The app will show you if an administrator later records a regulator submission.

Can the Lawyer see my photos or PDFs?+

No. The Lawyer receives structured case text, summaries and chat messages only — never your uploaded images or PDF evidence.

Your peace of mind starts here

You carry enough.
Let us carry the case.

NGuardian is being prepared for Android. The first public release will bring free loan relief, consumer complaint support and Lawyer conversations into one app.

◉
Coming first toAndroid