“Hustle o” is a phrase that seen a rise in usage in recent times. Most Nigerians find themselves looking for an opportunity or a breakthrough that will finally reflect their hard work and help them live their dreams or at leased put them on the path to living their dreams. These opportunities are often not guaranteed and many Nigerians find themselves stuck, full of potential but short on access.

They have the ideas, the drive, the plans, but lack the support, especially the financial kind to take the next step. These are the people Oxygen X is built for. And with its latest campaign, “You Are Next,” the brand is doubling down on its mission to back the dreamers, doers, and self-starters often left behind.

A Different Kind of Lending

For years, the credit space in Nigeria has been dominated by services that offer short-term survival, not long-term progress. Many loan providers only give small sums to first-time borrowers even when these users have valid needs for the money or offer relatively high interest rates. Oxygen X is doing things differently. The brand believes that credit should be a launchpad, not a trap.

Through “You Are Next,” Oxygen X is challenging the notion that loans are just for emergencies. The campaign invites Nigerians to see credit as a tool for transformation i.e., a way to start a new hustle, pay for productivity tools, or bridge the gap between where you are and where you want to be.

“Our goal is simple, to empower the everyday Nigerian to move forward and live sustainably whether that’s through a business upgrade, better living conditions to increase productivity or just breathing room during a tough time,” said Ehime Omeh, Head of Marketing at Oxygen X.

Real People, Real Progress

Unlike faceless ads and generic promises, Oxygen X is telling real stories through this campaign. Stories of people who got their big break through a small “yes.” From a nurse who used her loan to care for her newborn, to a caterer who fulfilled a large order with the help of a timely disbursement, Oxygen X borrowers are proof that sometimes, the difference between stuck and soaring is access.

All people need sometimes, someone to see their potential.

Who This Campaign Is For

“You Are Next” is a message. A signal to anyone who has felt overlooked, delayed, or discouraged that their time is coming. It’s for the 9–5er with a dream on the side. The techie building something small but powerful. The parent trying to give their child a better future.

By offering fair interest rates, larger first-time offers, and a trust-first approach, Oxygen X is removing the usual friction that holds people back from borrowing with confidence.

The Bigger Picture

At its core, this campaign is about changing the narrative around credit in Nigeria. It’s about shifting from fear to possibility. From survival to growth. And from “maybe someday” to “You Are Next.”

Because everyone deserves a shot at more. And Oxygen X is here to make sure more Nigerians get theirs.

About Oxygen X

Oxygen X is a bold, digital-first finance company on a mission to make credit more accessible, respectful, and impactful for Nigerians. Established in 2024, we provide fast, fair loans that empower individuals to fund their goals whether it’s starting a business, handling emergencies, or leveling up their lives. With a focus on trust, transparency, and ease, oxygen X is changing the way people think about borrowing, one dream at a time.