I've tried here for months now and honestly Migo has been a lifesaver for me as someone who don't really fit the traditional banking mold. What got me most was how fast the approval was when I needed money for my son's school fees urgently — applied in the morning and had the credit by evening same day, no endless forms or waiting for some bank manager to decide my life. The interest rates sef are not as bad as I feared, and the app interface is straightforward enough that even my generation can navigate it without calling my children for help. Would have given them five out of five if their customer service picked up faster when you have issues, but abeg the speed of getting the actual credit is what matters most to me.