Rent 202754%
₦650,000 of ₦1,200,000
Locked savings
Unlocks 14 Dec
NaijaSafe
Save for what matters, at your pace.
Flexible savings you can withdraw anytime, locked savings with interest, and goals that track your progress for you.
Savings · Ajo · Credit · Community
Save, borrow and grow with your people.
Hubnovo brings your savings, ajo circles, credit score and community into one secure app. Built in Nigeria, for the way Nigerians actually manage money together.
- Free to join
- Payments secured by Paystack
- PIN-protected transfers
Products
Everything your money needs, in one account.
Five products that work together. Your savings grow your credit score, and your credit score opens up better loans.
₦240,000
Payout order
₦20,000 / month
- 1AOPaid out
- 2ZHPaid out
- 3COThis month
- 4EONext
NaijaAjo
The ajo you trust, without the paper records.
Start or join a digital savings circle of 2–20 members. Contributions, payout order and disputes are all tracked in one place.
742
out of 1000 · Good
TradeCred
A credit score that sees what banks miss.
Your savings, transactions and ajo history build a score from 0 to 1000, with a clear breakdown and tips to improve it.
Loan offer
₦150,000
1 month3 months6 months
Monthly repayment₦53,500
NaijaCredit
Micro-loans based on how you actually save.
Apply using your TradeCred score, choose a tenure that fits, and track every repayment in the app.
Health BasicActive
Shop & StockActive
Device CoverClaim in review
NaijaInsure
Affordable cover for everyday life.
Browse micro-insurance plans, pay premiums from your wallet, and file claims with documents, without paperwork queues.
Community
More than a wallet. A place to build together.
The people you save with are the people you learn, work and grow with. Hubnovo keeps them all in one place.
Social feed
Share posts, photos and videos, follow people you admire, and keep up with your communities.
Chat and groups
Direct messages and group channels for your ajo circle, your team or your business.
Crowdfunding
Raise money for community projects and causes, with progress anyone can follow.
Learn and earn
Take free and paid courses, earn completion badges, or publish lessons and get paid.
Services marketplace
List your skills with clear pricing and get hired by people in the community.
One search for everything
Find people, posts and courses from a single search bar.
How it works
Up and running in three steps.
- 01
Create your account
Sign up with your email or Google. It takes about two minutes and costs nothing.
- 02
Verify and set your PIN
Confirm your email with a one-time code and set the PIN that protects every payment.
- 03
Start saving with your people
Fund your wallet, set a savings goal or join an ajo circle, and watch your score grow.
Security
Your money and your data, protected.
Trust is the whole point of saving together. We build every feature with that in mind.
A PIN on every payment
Transfers and payments from your wallet need your personal transaction PIN.
Verified accounts
Every new account is confirmed with a one-time code before it can be used.
Payments by Paystack
Card and bank payments are processed by Paystack, a PCI DSS compliant provider.
Encrypted connections
Everything between your device and Hubnovo travels over encrypted HTTPS.
Stories
Built with the people who use it.
“My ajo group switched from paper records to Hubnovo. No more arguments about who paid and who did not. Everything is on the app.”
“My TradeCred score got me the microloan I needed to restock inventory. No bank would have approved me that fast.”
“I use NaijaSafe to lock away runway funds so I am not tempted to spend them. Locked savings with interest is exactly what I needed.”
About us
Built in Nigeria, for Nigerians.
We started with a simple question: why should a market trader in Kano and a software engineer in Lagos need different apps to manage their community, savings and social life?
Hubnovo is our answer. One platform that respects how Nigerians actually live, save and support each other.
- Members
- 50K+
- Transacted
- ₦2B+
- States reached
- 36
Community first
Every decision starts with one question: does this help Nigerian communities?
Measurable impact
We track real outcomes: money saved, campaigns funded, courses completed.
Works for everyone
Built to run well on any phone and any connection speed.
What is Hubnovo?
Hubnovo is one app for your savings, ajo circles, credit score, micro-loans and insurance, plus a community where you can post, chat, learn and offer your services.
Does it cost anything to join?
No. Creating a Hubnovo account is free, and every product is available from your free account.
How does NaijaAjo work?
You start or join a circle of 2 to 20 members and agree on an amount and a schedule (weekly, bi-weekly or monthly). Everyone contributes each cycle, and one member receives the payout in turn. Every contribution is recorded, so there are no arguments about who has paid.
How is my TradeCred score calculated?
Your score runs from 0 to 1000 and reflects your activity on Hubnovo, including your savings, transactions and ajo history. You can see a breakdown by category and tips to improve it.
How do I add money to my wallet?
Fund your wallet securely through Paystack from the Wallet page. Your balance updates once the payment is confirmed.
I need help with my account. Who do I contact?
Email us at hello@hubnovo.com and the team will get back to you.
Start saving with your people today.
Create your free account in about two minutes.
Talk to us
Questions, partnerships or press. We'd love to hear from you.