Top 10 Loan Apps in Nigeria for Quick Cash Needs

Last Updated on January 7, 2024

Introduction

In a rapidly evolving digital landscape, the traditional approach to securing loans has undergone a revolutionary transformation.

Mobile loan apps have emerged as the financial lifelines of many Nigerians, providing quick and convenient access to funds in times of urgent need.

The importance of these apps cannot be overstated, considering the dynamic economic climate and the diverse financial challenges faced by individuals across the nation.

The demand for instant financial solutions has led to the soaring popularity of loan apps in Nigeria.

These applications have redefined the borrowing experience, offering a hassle-free alternative to the cumbersome processes associated with traditional lending institutions.

From unexpected medical expenses to pressing business needs, these apps have become the go-to source for quick cash infusion.

As the pace of life quickens, the quest for efficient and rapid financial assistance has become a common pursuit.

This has catalyzed the growth of the mobile loan app sector, with an increasing number of Nigerians embracing the convenience and accessibility these platforms provide.

Loan App 1: Branch

Branch is one of the top loan apps in Nigeria that provides quick cash solutions for various needs.

It offers several features and benefits that make it a popular choice among borrowers.

Features and Benefits of Branch

Branch offers a user-friendly interface, making it easy for borrowers to navigate and access the loan services.

Here are some notable features and benefits:

1. Loan Limit: Branch provides loans ranging from ₦1,000 to ₦200,000, catering to different financial requirements.
   
   
2. Instant Approval: One of the major advantages of Branch is its quick approval process. Users can receive loan disbursements within minutes of application.
   
   
3. Easy Registration: Registering on Branch is hassle-free. Users only need a valid phone number to create an account and apply for a loan.
   
   
4. No Collateral Required: Branch offers unsecured loans, ensuring that borrowers do not need to provide any collateral or guarantors.
   
   
5. Flexible Loan Repayment: Borrowers have the option to repay the loan in multiple installments, which can be convenient for those with fluctuating income.
   
   
6. Competitive Interest Rates: Branch provides competitive interest rates starting from as low as 13% per month, making it an affordable loan option.
   
   
7. Transparent Fees and Charges: The app ensures transparency by clearly stating all fees and charges upfront to avoid any hidden surprises.
   
   
8. Credit Score Building: Repaying loans on time improves the borrower’s credit score, increasing their chances of accessing higher loan amounts in the future.
   
   
9. Access to Financial Education: Branch offers financial education resources to help users enhance their financial literacy and make better financial decisions.
   
   
10. Secure Transactions: The app utilizes advanced security measures to protect users’ personal and financial information, ensuring safe and secure transactions.

Quick Approval Process and Easy Registration

Getting a loan on Branch is a straightforward process. Here’s a step-by-step guide:

1. Download and Install: Download the Branch app from Google Play Store and install it on your mobile device.
   
   
2. Sign Up: Create an account by providing your mobile number and verifying it with the one-time password received via SMS.
   
   
3. Enter Personal Details: Fill in your personal details, including name, date of birth, and gender.
   
   
4. Provide Additional Information: Branch may require additional information like employment details, bank statements, or utility bills for verification purposes.
   
   
5. Apply for a Loan: Once your account is set up, you can specify the loan amount and duration and submit your loan application.
   
   
6. Receive Loan Disbursement: If approved, the loan amount will be disbursed to your bank account within minutes.

Interest Rates and Repayment Terms

Branch offers competitive interest rates starting from as low as 13% per month, depending on various factors such as loan amount, duration, and creditworthiness.

The repayment terms are flexible, allowing borrowers to repay the loan in multiple installments.

User Reviews and Ratings

Branch has received positive reviews from its users, with an average rating of 4.5 stars on the Google Play Store.

Users appreciate the quick and hassle-free loan approval process, transparent fees, and the ability to access financial education resources.

In fact, Branch is a reliable loan app in Nigeria that offers quick cash solutions with competitive interest rates, flexible repayment terms, and a user-friendly interface.

It is highly recommended for those in need of instant financial support.

Read: Budgeting Basics for Hand-to-Mouth Survival

Loan App 2: FairMoney

The features and benefits of FairMoney

FairMoney is another popular loan app in Nigeria that offers a range of features and benefits to its users.

With a wide customer base, FairMoney is known for its reliable service and quick cash disbursement.

One of the key advantages of using FairMoney is its easy and hassle-free loan application process.

Users can apply for a loan within minutes using the app, without having to go through lengthy paperwork or visit a physical branch.

This makes FairMoney a convenient choice for those in urgent need of quick cash.

The quick disbursement of funds and flexible repayment options

FairMoney provides flexible repayment options, allowing borrowers to choose a repayment plan that suits their financial situation.

Whether it’s a short-term loan or a longer-term option, FairMoney offers various repayment durations, making it easier for borrowers to manage their finances.

Special offers or rewards for loyal customers

Furthermore, FairMoney rewards its loyal customers with special offers and benefits.

By borrowing and repaying loans on time, users can build their credit score and unlock access to higher loan amounts at lower interest rates.

This incentive encourages responsible borrowing and timely repayments.

User reviews and ratings

Customer reviews and ratings for FairMoney are generally positive.

Many users appreciate the app’s simple interface and user-friendly experience.

They also praise the quick disbursement of funds, which helps them tackle unexpected expenses or emergencies without delay.

Additionally, FairMoney’s responsive customer support team has received positive feedback for their prompt assistance and problem-solving approach.

FairMoney has gained a reputation for being a trustworthy loan app in Nigeria, with high levels of security and data protection.

The app follows strict privacy policies and uses advanced encryption technology to ensure the safety of users’ personal and financial information.

This assurance has contributed to the growing popularity and trustworthiness of FairMoney among borrowers.

In short, FairMoney is a reliable loan app in Nigeria that offers various features and benefits to its users.

Its quick cash disbursement, flexible repayment options, special offers for loyal customers, and positive customer reviews make it a preferred choice among borrowers.

Moreover, FairMoney’s commitment to data security and privacy adds to its credibility and enhances user trust.

If you are in need of quick cash, FairMoney is definitely an app to consider.

Read: Breaking Free: Stop Living Paycheck to Paycheck

Loan App 3: Kuda

The features and benefits of Kuda

Kuda is one of the top loan apps in Nigeria that offers quick cash solutions to individuals in need.

With its user-friendly interface and seamless process, Kuda has become a popular choice among borrowers.

Let’s dive into the features and benefits that set Kuda apart from other loan apps in the market.

The higher loan limit and longer repayment period

First and foremost, Kuda offers a higher loan limit compared to many other loan apps in Nigeria.

This means that borrowers can access a larger sum of money to meet their financial needs.

Whether it’s for emergency expenses, education, or starting a business, Kuda has got you covered with its generous loan limits.

Furthermore, Kuda understands the importance of flexibility when it comes to loan repayments.

That’s why they provide borrowers with a longer repayment period.

Unlike some loan apps that impose strict repayment schedules, Kuda gives borrowers ample time to repay their loans, reducing the burden on their finances.

Additional perks or benefits offered by the app

One of the additional perks of using Kuda is the absence of any hidden charges or fees.

Many borrowers have reported their satisfaction with the app’s transparent process.

Kuda ensures that borrowers are aware of the charges upfront, eliminating any surprises or hidden costs along the way.

Moreover, Kuda provides an opportunity for borrowers to build their credit scores.

By repaying their loans on time, borrowers can improve their creditworthiness.

This can greatly benefit individuals who are looking to apply for larger loans in the future or establish a good credit history.

User reviews and ratings

To provide a comprehensive overview of Kuda, let’s take a look at some user reviews and ratings.

Many users have praised the app’s efficiency and simplicity.

They appreciate the quick disbursement of funds and the user-friendly interface.

Borrowers have also commended Kuda’s customer service, stating that they are responsive and helpful throughout the loan application process.

In terms of ratings, Kuda has received high marks from users.

With an average rating of 4.5 stars out of 5 on various app stores, it is evident that Kuda has been successful in meeting the expectations of its users.

Basically, Kuda emerges as a reliable loan app in Nigeria, offering features and benefits that cater to the needs of borrowers.

With its higher loan limit, longer repayment period, transparent process, and positive user reviews, Kuda stands out as a top choice for individuals in search of quick cash solutions.

If you find yourself in need of financial assistance, give Kuda a try and experience the convenience it offers.

Read: Low-Cost Living in Nigerian Suburbs

Loan App 4: Carbon

Carbon is one of the top loan apps in Nigeria that provides quick and convenient access to cash.

With its user-friendly interface and seamless application process, it has gained popularity among borrowers.

In this section, we will discuss the features and benefits of Carbon, its application process, customer support channels, and user reviews and ratings.

Features and Benefits of Carbon Loan App

1. Instant Loan Approval: Carbon offers instant loan approvals, ensuring that users receive the cash they need within minutes of applying. This feature makes it a preferred choice for individuals facing urgent financial situations.
   
   
2. Flexible Loan Options: Carbon provides borrowers with flexible loan options, including personal and business loans. Users can choose the loan amount and repayment terms that suit their needs and financial capabilities.
   
   
3. Competitive Interest Rates: With Carbon, borrowers can benefit from competitive interest rates, ensuring that they don’t end up paying exorbitant amounts as interest charges.
   
   
4. Simple Repayment Process: The loan repayment process with Carbon is hassle-free, thanks to its automated repayment system. Users can set up loan repayments through their bank accounts or debit cards, eliminating the need for manual transactions.
   
   
5. Loan Top-up Option: Carbon provides a convenient loan top-up option, allowing borrowers to request additional funds once they have repaid a significant portion of their existing loan. This feature helps users access larger amounts of cash when required.
   
   
6. Diverse Loan Duration: Borrowers can choose from various loan durations offered by Carbon, ranging from a few days to several months. This flexibility allows users to select a repayment period that aligns with their financial situation.

Seamless Application Process and Instant Approval

Carbon ensures a seamless and user-friendly application process, making it easy for borrowers to apply for loans. Here is how it works:

1. Download the Carbon app from the Google Play Store or Apple App Store and install it on your smartphone.
   
   
2. Register with Carbon by providing the necessary personal and financial information. This includes your name, phone number, email address, employment details, and bank account information.
   
   
3. Once registered, log in to your Carbon account and complete the loan application form. Provide accurate details about the loan amount, repayment period, and purpose of the loan.
   
   
4. Submit your application and wait for instant approval. Carbon utilizes advanced algorithms and data analytics to assess your creditworthiness and determine your eligibility. In most cases, approval is granted within minutes.
   
   
5. Upon approval, the requested loan amount is disbursed to your Carbon wallet or bank account, depending on your preference. You can then withdraw the cash or use it for your financial needs.

Customer Support Channels

Carbon offers various customer support channels to assist users throughout the loan application process and address their queries or concerns.

These channels include:

1. Live Chat Support: Users can access live chat support through the Carbon app, enabling them to communicate directly with support representatives and receive immediate assistance.
   
   
2. Email Support: Users can reach out to Carbon’s customer support team by sending an email to the provided email address. The team will respond to queries and provide guidance as required.
   
   
3. FAQs and Help Center: Carbon has a comprehensive FAQs section and help center on its website and app. Users can browse through these resources to find answers to common questions or seek guidance on using the app.

User Reviews and Ratings

Carbon has received positive reviews and high ratings from users, reflecting their satisfaction with the app.

Many users appreciate the quick loan disbursal, seamless application process, competitive interest rates, and reliable customer support provided by Carbon.

Positive reviews highlight the app’s convenience, reliability, and transparency.

Ultimately, Carbon is a trusted loan app in Nigeria that offers features like instant loan approvals, flexible loan options, competitive interest rates, and a simple repayment process.

Its seamless application process, various customer support channels, and positive user reviews make it a popular choice among borrowers in need of quick cash.

Read: End Hand-to-Mouth Living: 5 Key Steps

Loan App 5: Aella Credit

In the realm of quick cash solutions in Nigeria, Aella Credit stands out as a reliable and efficient financial partner.

As the fifth installment in our series on the “Top 10 Loan Apps in Nigeria for Quick Cash Needs,” let’s delve into the impressive features and benefits that set Aella Credit apart from the rest.

Low Interest Rates and Flexible Repayment Options

One of the standout features of Aella Credit is its commitment to providing affordable financial solutions.

With remarkably low-interest rates, users can access the funds they need without the burden of exorbitant charges.

The app also understands the diverse financial situations of its users, offering flexible repayment options tailored to individual needs.

Whether you prefer weekly, bi-weekly, or monthly payments, Aella Credit ensures that the repayment process aligns with your financial capabilities.

Unique Features and Services

Aella Credit goes beyond the conventional loan app offerings with its unique features.

The app provides users with the convenience of loan insurance, offering a safety net in unforeseen circumstances.

This additional layer of security reassures users and distinguishes Aella Credit as a comprehensive financial solution provider.

User Reviews and Ratings

The true testament to any financial service’s credibility lies in user experiences.

Aella Credit has garnered praise from users across the country for its seamless application process, quick approval times, and transparent policies.

Many users commend the app for its user-friendly interface and excellent customer support.

With consistently high ratings, Aella Credit has built a reputation for reliability and customer satisfaction.

In a review from Chiamaka O., a satisfied Aella Credit user, she notes, “I needed quick cash for a medical emergency, and Aella Credit came through for me.

The low-interest rates and flexible repayment options made the entire process stress-free.

I highly recommend it to anyone in need of fast and reliable financial assistance.”

Essentially, Aella Credit is not just a loan app; it’s a financial partner that understands the needs of its users.

With low interest rates, flexible repayment options, and unique features, Aella Credit stands tall as a top choice for those seeking quick cash solutions in Nigeria.

Loan App 6: QuickCheck

In the realm of quick cash solutions, QuickCheck stands tall as one of the top players in Nigeria.

As we explore the myriad of loan apps available, let’s delve into what makes QuickCheck a standout choice for those urgent financial needs.

Features and Benefits

QuickCheck boasts an impressive array of features designed to cater to the diverse needs of its users.

The app offers flexible loan amounts, allowing borrowers to select an amount that aligns with their requirements.

With competitive interest rates and transparent terms, users can make informed decisions about their financial commitments.

One standout benefit is the speed of processing.

QuickCheck lives up to its name, providing swift approvals and disbursing funds directly into the borrower’s account.

This ensures that users can address their financial emergencies without unnecessary delays.

Quick and Hassle-Free Application Process

Navigating through the QuickCheck application process is a breeze.

The user-friendly interface guides applicants through the necessary steps, requiring only essential information.

The documentation is minimal, eliminating the cumbersome paperwork associated with traditional loan applications.

This streamlined approach ensures that users can complete the process quickly, getting the funds they need without unnecessary hassle.

Customer Referral Programs and Rewards

QuickCheck values its users and encourages them to be brand ambassadors.

The app often runs customer referral programs, allowing existing users to refer friends and family. In return, both the referrer and the referred party may enjoy exclusive rewards or discounts on future loans.

This not only helps QuickCheck expand its user base but also rewards loyal customers for their trust and advocacy.

User Reviews and Ratings

A glance at user reviews and ratings solidifies QuickCheck’s reputation as a reliable loan app.

Users consistently praise the app for its efficiency, transparent terms, and excellent customer service.

Positive testimonials highlight how QuickCheck has become a financial lifeline during unexpected financial challenges.

All in all, QuickCheck stands out in the crowded landscape of loan apps in Nigeria.

With its user-centric features, hassle-free application process, and commitment to customer satisfaction, QuickCheck is a trusted ally for those seeking quick and reliable financial solutions.

Loan App 7: EasyCredit

EasyCredit is a popular loan app in Nigeria that provides quick cash solutions. With its user-friendly interface and efficient services, it has gained a reputation for being one of the top loan apps in the country.

The features and benefits of EasyCredit

One of the key features of EasyCredit is its easy eligibility criteria.

To avail a loan, users only need to be Nigerian citizens above the age of 18 with a steady source of income.

This makes it accessible to a wide range of individuals who are in urgent need of funds.

The easy eligibility criteria and fast verification process

The verification process of EasyCredit is also fast and hassle-free.

Once the loan application is submitted, the app conducts a quick evaluation and verifies the provided information.

This makes the loan disbursal process swift, allowing users to receive the funds in their bank accounts within a short time.

Additional financial tools or resources provided by the app

Apart from providing quick cash loans, EasyCredit also offers additional financial tools and resources.

It provides users with budgeting tips, financial planning advice, and credit monitoring services.

These additional resources enable users to manage their finances better and improve their credit scores.

User reviews and ratings

User reviews and ratings of EasyCredit have been largely positive.

Many users have appreciated the app’s seamless user experience and the quick response from the customer support team.

They have also praised the app for its transparent loan terms and competitive interest rates.

One user, Hannah, shared her experience saying, “I urgently needed funds for my sister’s medical emergency, and EasyCredit came to my rescue.

The app was easy to navigate, and the loan amount was disbursed within an hour. I am grateful for their timely assistance.”

Another user, Peter, mentioned, “EasyCredit stands out among other loan apps due to its excellent customer service.

They guided me through the loan application process and answered all my queries promptly.

I highly recommend this app for anyone in need of quick cash.”

In terms of overall user ratings, EasyCredit has secured a high score of 4.5 out of 5 stars.

The positive feedback from satisfied users reflects the app’s reliability and efficiency in providing quick cash loans.

In summary, EasyCredit is a top loan app in Nigeria that offers a range of features and benefits.

Its easy eligibility criteria, fast verification process, and additional financial tools make it a convenient choice for individuals in need of quick cash.

The app’s positive user reviews and ratings further validate its reputation as a reliable platform for obtaining instant loans.

Loan App 8: Newcredit

In the ever-evolving landscape of financial technology, Newcredit stands out as a reliable solution for those seeking quick cash in Nigeria.

Ranked at number eight on the list of top loan apps, Newcredit has gained popularity for its unique features and transparent terms.

Features and Benefits

Newcredit boasts a user-friendly interface, making the loan application process seamless and efficient.

With a swift approval system, users can access funds within minutes of their application.

The app also offers flexible repayment options, allowing borrowers to tailor their repayment schedules to fit their financial capabilities.

One noteworthy feature of Newcredit is its competitive interest rates, ensuring that borrowers can access funds without being burdened by exorbitant charges.

The app’s commitment to responsible lending is evident in its personalized loan offers, which are based on individual creditworthiness.

Transparent Terms and Conditions

Newcredit takes pride in its transparent terms and conditions.

Unlike some loan apps that may have hidden charges, Newcredit ensures that users are fully aware of all costs associated with their loans.

The app provides clear information on interest rates, repayment terms, and any additional fees, fostering a sense of trust between the platform and its users.

Educational Materials for Financial Literacy

Recognizing the importance of financial literacy, Newcredit goes beyond being just a lending platform.

The app offers educational materials to help users enhance their financial knowledge.

These resources include articles, tips, and tools aimed at empowering individuals to make informed financial decisions.

By promoting financial literacy, Newcredit contributes to the long-term financial well-being of its users.

User Reviews and Ratings

User reviews and ratings further attest to Newcredit’s credibility.

Positive feedback often highlights the app’s responsiveness, quick disbursement of funds, and transparent dealings.

Users appreciate the hassle-free experience and the app’s commitment to customer satisfaction.

In closing, Newcredit has earned its spot as a top loan app in Nigeria by combining user-friendly features, transparent terms, educational resources, and positive user feedback.

If you’re in need of quick cash with fair terms, Newcredit stands ready to meet your financial needs.

Loan App 9: Okash

In the fast-paced world we live in today, financial emergencies can strike at any moment.

Whether it’s a medical bill, unexpected repair, or a sudden travel expense, having access to quick cash is crucial.

In the realm of loan apps in Nigeria, Okash emerges as a reliable ally for those seeking immediate financial solutions.

Features and Benefits of Okash

Okash stands out with its user-friendly interface and seamless application process.

With a straightforward approach, users can apply for loans within minutes, making it one of the top choices for quick cash needs.

The app boasts a hassle-free registration process and minimal documentation, ensuring that users can access funds swiftly.

Quick Response Time and Efficient Customer Service

Time is of the essence when it comes to financial emergencies, and Okash understands this well.

The app prides itself on its rapid response time, providing users with a prompt decision on their loan applications.

Moreover, Okash’s efficient customer service ensures that users can get the assistance they need, addressing queries or concerns promptly.

Secure Payment Options and Fraud Protection Measures

Security is a top priority for Okash, and the app goes the extra mile to ensure that users’ financial information is safeguarded.

Okash employs secure payment gateways and robust encryption protocols, offering users peace of mind while conducting transactions.

Additionally, the app implements stringent fraud protection measures to create a secure lending environment.

User Reviews and Ratings

What better way to gauge the reliability of a loan app than through user testimonials? Okash has garnered positive reviews and high ratings from satisfied users, attesting to its efficiency and transparency.

Many users appreciate the speed of loan disbursement and the simplicity of the repayment process, making Okash a preferred choice in the competitive landscape of loan apps.

To conclude, when it comes to addressing urgent financial needs in Nigeria, Okash emerges as a standout performer.

Its user-centric features, quick response time, secure payment options, and positive user reviews position it as a go-to solution for those in need of swift financial assistance.

Okash is not just a loan app; it’s a reliable financial companion that empowers individuals to navigate unexpected challenges with ease.

Loan App 10: Umba

In the dynamic landscape of financial technology, loan apps have become indispensable tools for addressing immediate cash needs.

Among the top 10 loan apps in Nigeria, Umba stands out as a reliable and user-friendly option.

Let’s explore the features and benefits that make Umba a preferred choice for individuals seeking quick cash solutions.

Seamless User Experience

Umba prides itself on providing a seamless user experience, ensuring that borrowers can easily navigate the app to access the funds they require.

The intuitive interface makes the application process swift and hassle-free.

Quick Loan Renewal Process

One of the standout features of Umba is its swift loan renewal process.

Borrowers can conveniently renew their loans with minimal effort, ensuring that urgent financial needs are consistently met.

This flexibility distinguishes Umba from other loan apps, as it caters to the evolving financial requirements of its users.

Credit Score Tracking

Understanding the importance of credit scores in financial transactions, Umba incorporates a credit score tracking feature.

This enables users to monitor and improve their creditworthiness over time, fostering responsible financial behavior.

Strategic Partnerships

Umba’s commitment to providing comprehensive financial solutions is evident through its strategic partnerships and collaborations with other financial institutions.

These alliances enhance the app’s capabilities, offering users a broader spectrum of financial services beyond just loans.

User Reviews and Ratings

User feedback is a testament to the effectiveness of any financial service, and Umba excels in this aspect.

Positive reviews highlight the app’s reliability, transparency, and quick turnaround times.

High ratings reflect the satisfaction of users who have experienced the benefits of Umba’s services firsthand.

Therefore, Umba stands tall among the top 10 loan apps in Nigeria, offering a combination of user-friendly features, quick loan renewals, credit score tracking, strategic partnerships, and positive user reviews.

For those in need of quick cash solutions with a reliable and efficient platform, Umba proves to be an excellent choice.

Conclusion

In the fast-paced world we live in, where financial needs can arise at any moment, the emergence of mobile loan apps in Nigeria has been a game-changer.

We’ve explored the vast landscape of quick cash solutions and narrowed down the top 10 loan apps that can be your financial lifeline when the need for immediate funds arises.

Recapping the Champions

1. Branch: Offering competitive interest rates and flexible repayment terms.
   
   
2. Carbon: Known for its swift approval process and transparent terms.
   
   
3. Renmoney: Catering to both salary earners and entrepreneurs with reasonable interest rates.
   
   
4. FairMoney: Delivering quick cash with no hidden charges and user-friendly interfaces.
   
   
5. Palmcredit: Providing instant loans with a seamless application process.
   
   
6. QuickCheck: Standing out for its credit scoring technology and speedy loan disbursement.
   
   
7. Aella Credit: Tailored for employees and entrepreneurs, ensuring financial stability.
   
   
8. Kuda: Offering overdraft facilities and financial services beyond loans.
   
   
9. Page Financials: A one-stop-shop for loans, investments, and financial advice.
   
   
10. Paylater (now Carbon): A pioneer in the Nigerian loan app sphere, known for its reliability.

The Power of Convenience and Accessibility

Mobile loan apps have revolutionized the borrowing experience, placing financial power directly into the hands of the consumers.

With just a few taps on your smartphone, you can access quick cash without the hassle of traditional banking processes.

The convenience is unparalleled, making urgent financial needs a problem of the past.

Choosing Your Champion

As you navigate through the plethora of options, it’s crucial to compare features, terms, and user reviews before committing to a loan app.

Each app has its strengths and specialties, and finding the one that aligns with your specific needs is key.

Consider interest rates, repayment terms, and the overall user experience.

User reviews can provide valuable insights into the reliability and customer service of each platform.

In the end, the world of mobile loan apps in Nigeria is teeming with options to meet your quick cash needs.

Embrace the convenience, but do so wisely – compare, analyze, and choose the app that suits you best.

Your financial journey begins with the right decision.