Save, invest, earn, borrow, one suite
Pady Finance is the full money-growth stack — PadyVest savings, dollar investments, rewards on every spend, and instant credit lines you actually qualify for. Four pillars, one screen
Why it matters
The shortlist
- Savings — up to 12% APY on locked PadyVest goals
- Invest — dollar money-markets and curated portfolios from ₦5k
- Rewards — earn points on every spend, redeem against your bill
- Credit — instant credit lines that grow with your Pulse score
- Group savings (ajo / esusu) with up to 10 friends
- All four pillars live in one Finance tab — no extra apps
How it works
Live in minutes, not weeks
Pick a pillar
Savings, Invest, Rewards, or Credit — start where it matters first.
Set the rules
Pick goals, top-ups, portfolios, or credit limits — Pady automates the rest.
Let it grow
Watch interest tick, portfolios compound, points stack, and credit unlock.
Features
Built like the rest of your stack
PadyVest savings
Goal-based locks at up to 12% APY. Real friction to break, real rewards to keep.
Invest in dollars
Money-markets and curated portfolios from ₦5k. Track YTD performance live.
Rewards
Earn 1 point per ₦100 spent. Redeem instantly against bills, transfers, or cash.
Credit lines
Instant credit that grows with your Pulse score. Transparent rates, no hidden fees.
Goal-based
Each goal is its own pot. Multiple goals, multiple strategies.
Real lock
Locked goals are locked. Break early only if you absolutely must.
Questions
Frequently asked
Still curious? Visit the help center.
Make more of your money
Pay with ease, save towards your goals, and manage your everyday money in one place. Open your Pady account and start today