Nigeria's First Housing Reputation Score

Finally, your rent
pays off for you.

Join 5,000+ professionals building their Rent Passport™.
Upward records every payment, builds your housing reputation, unlocks benefits and opens the door to home ownership.

Start Building Your Score
portrait of a successful young Nigerian professional woman sitting in a high-end minimalist Lagos ap
Rent Savings Goal 83%

Unlock a loan to complete your 12-month goal.

Current Rent Score 842

Top 5% of Nigerian Renters

Trusted By Leading Institutions

Paid millions in rent?
What do you have to show for it?

Most Nigerians spend over 40% of their income on rent with zero return. It's time to change the equation.

The Rental Savings
Struggle

High costs of living squeeze your housing budgets. Your savings apps, with no direct link to rental benefits, do very little. You end up breaking them many times.

Current Rental Model is a Dead End

Typical rental payments leave no paper trail that banks or lenders recognize. You're effectively building your landlord's future while yours stays out of sight.

Homeownership seems far-fetched

Income growth is not keeping pace with housing costs. Neither is there sufficient data to determine your credibility for home financing.

The Upward Advantage

Verified Reputation

No more "introductions" needed or being judged by tribe or religion. Your Upward score speaks for your character.

Flexible Rent Financing

Access the opportunity to pay your rent in predefined installments when you have a good Upward Score.

Low-Deposit Moves

Qualified high-score renters can move into select apartments without paying a security deposit upfront.

Rent and Home Savings Rewards

Earn points every month you save towards rent and your future home simultaneously.

Path to Ownership

Convert verified rental history into single-digit interest mortgage equity when you're ready to buy your first home.

Your Questions, Answered

What is Upward Pay and how does it work?
Upward is a platform that turns your rent payments — money you're already spending — into verified rental history. Every time you pay rent through Upward, you build a verified Rent Passport™, earn an Upward Rent Score, and unlock access to savings tools, rewards, and home financing.
Do I need to pay a signup fee?
No. Creating your account and starting to build your Upward Rent Score is completely free.
Is my financial data secure?
Upward uses 256-bit bank-level encryption. We only verify the transaction data you choose to share, and we never have direct access to your login credentials or bank account funds.
Does my landlord need to be on Upward?
You can build your Payment Consistency score even if your landlord isn't registered. However, for a complete Property Care score, your landlord will need to verify the condition of the space.
How does this help me get a mortgage?
Most banks in Nigeria lack historical rental data. Upward provides a certified Rent Passport™ which proves your financial discipline and ability to handle long-term housing payments.
Web · Android · iOS

Use UpwardPay your way

Pay rent, track your history, and build your housing reputation — on the web, on Android, or on iPhone.

Use on

Web App

Get it on

Google Play

Ready to make your rent work for you?

Join 5,000+ Nigerian professionals building their path to home ownership with every rental payment.

Join Upward Today

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