Updated on October 22, 2023
If you’re interested in how to earn money online without investment in Nigeria. This post was tailor-made for you.
A lot of people want to earn money online without investment in Nigeria because earning money online offers a flexible way to make money without having to invest any capital. With so many opportunities available, it can be challenging to know where to start.
In this guide, we will explore legitimate ways to earn money online without investment in Nigeria. We will also discuss the skills needed to earn money online and the platforms Nigerians can use to earn money online.
See: How to Make Money Online in Nigeria
How to Earn Money Online Without Investment in Nigeria
1. Freelancing
If you have digital skills and want to earn money online in Nigeria, then you can offer them to people looking to pay for these skills online.
A lot of people earn thousands of dollars by selling their skills and services online. If you have top-notch skills, there are a lot of tasks you can do online and be compensated well for.
You can get freelance work as a writer, web designer/developer, digital marketer, graphic designer and even a project manager. Other freelancing opportunities include virtual assistant, social media management, and anything that involves a digital skill.
You can get freelance work on legitimate websites that offer professional clients. Websites like Fiverr, Upwork, Flexjobs, Guru and Freelancer can help you monetize your skills.
Freelancing is one of the most popular and effective ways to earn money online in Nigeria.
2. Online Surveys
Companies pay people to participate in online surveys. You can sign up on survey platforms like Swagbucks, Survey Junkie, Vindale Research, ySense, Mobrog and Triaba and make $20 to $50+ in cash and gift cards.
Online surveys are an excellent way to earn money online without investment. Companies conduct surveys to gather data and feedback on their products and services. They pay people to participate in these surveys.
Once you qualify for a survey, you will be paid for your time and effort.
You won’t get rich from taking online surveys but they can offer an easy way for you to make money online in Nigeria in your spare time.
The best sites for getting legitimate paid online surveys are those sites that companies use to gain an understanding of their customer base.
See: Best Job Sites in Nigeria
These companies use surveys to gather information and insight from people who take these surveys.
with sites like
3. Affiliate Marketing
Affiliate marketing involves promoting other people’s or companies’ products and earning a commission.
You can promote products through social media, blogs, or YouTube channels. Popular affiliate platforms include Amazon, Jumia, and Konga.
Affiliate marketing is a performance-based marketing strategy where you earn a commission by promoting other people’s or company’s products. To get started, you need to find a company or product that aligns with your interests and create content promoting the product.
You can promote the product through social media, blogs, or YouTube channels. Popular affiliate platforms include Amazon, Jumia, and Konga
4. Online Tutoring
Online tutoring platforms like TutorMe, Chegg, and VIPKid provide a platform where tutors can offer their services to students globally.
If you have a skill or knowledge in a particular subject, you can earn money by tutoring students online.
You will be required to create a profile and complete a background check before you can start tutoring. The payment rates vary depending on the subject and experience.
Online tutors usually have online courses that are a great way foe making an extra income.
Online courses offer a great way to earn money online in Nigeria. People charge $100 to nearly $20000 for their online course, depending on their topic.
You don’t need teaching experience to teach an online course, yes it’s an advantage but it shouldn’t stop you. As long as you have expertise in the topic you’re teaching as a course.
There are a bunch of platforms you can use to create an online course today. You can use Udemy, Outschool and Teachable to start creating your online course. You can also take this free training on how to create a 7-figure online course.
5. Content Creation
You can earn money by creating and selling your content. You can sell your content on platforms like Shutterstock, iStock, and Adobe Stock or offer your services on freelance platforms like Fiverr and Upwork.
If you have a talent for creating content like writing, graphic design, or video production, you can earn money online by creating and selling your content. You can create a portfolio and sell your content on platforms like Shutterstock, iStock, and Adobe Stock. You can also offer your services on freelance platforms like Fiverr and Upwork.
6. Blogging
Blogging involves creating content on a particular topic category and monetizing your blog through ads affiliate marketing or sponsored posts.
Yes, blogging is still a lucrative way to earn money online in Nigeria.
There are multiple ways of earning from your blog. You can monetize your blog via display ads, sponsored posts, and your own products like ebooks and even courses.
Well-run blogs in Nigeria can make Between N40,000 to N3 million per month. There are thousands of blogs on the internet, if you want yours to make money, your blog will have to stand out and this can take a bit of time.
To start a blog is fairly easy, you can build your blog with WordPress, over 30% of websites on the internet are built using WordPress. You can build a WordPress blog by buying a hosting plan and a domain name on Hostgator. They are a top-recommended website host.
You also have to build an email list as you gain traffic to your blog, you can build an email list with Convertkit. It is easy to connect to your WordPress blog. Here’s how to start a blog in Nigeria in simple steps.
7. YouTube Channel
You can start a YouTube channel and monetize it through advertising, affiliate marketing, or sponsored content.
Like Blogging, vlogging is also a great way to make money online in Nigeria. You can choose to vlog about your personal life or about an interest you have.
Youtube is still the best place to start a vlog which you can earn money from. This Youtube Handbook will help understand everything you need to know about YouTube and how to start making money from your Vlog.
Here’s a comprehensive guide on how to make money on YouTube in Nigeria.
8. Online Writing
If you’re good at writing or think you can become a good writer. Then you should consider publishing a book online. There are a couple of platforms that make book online publishing fairly easy.
Amazon, the world’s leading online publishing platform controls more than 60% of the entire online publishing industry. Amazon has a very diverse global audience you can leverage by publishing with them.
However, you must consider if the target audience for your book is on Amazon and if it will do well on Amazon. If not you should consider other online book publishing platforms like Lulu and Okadabook.
Lulu is a top self-publishing platform for people who want to share their expertise by publishing a book. While Okadabook is a fast and free online publishing platform in Nigeria for monetizing books.
Whenever your book is published or read by anyone, you get paid by Okadabooks.
You can also earn money online without investment in Nigeria by writing for blogs, websites, and online magazines. You can find writing opportunities on platforms like ProBlogger and BloggingPro.
9. Virtual Assistant
Virtual assistants are people who provide administrative and technical assistance to companies. Since the work VAs do is done online, they can work from anywhere. All you need to start work as a VA is a laptop, Internet and telephone. The sort of work virtual assistants do, includes; customer support, content creation, website maintenance, email management and a host of other jobs.
You can offer administrative support to businesses and individuals as a virtual assistant. You can find virtual assistant opportunities on freelance platforms like Upwork.
Becoming a Virtual Assistant (VA) is one of the most realistic ways to earn money online without investment in Nigeria. You can find virtual assistant jobs on sites like Upwork and Flexjobs. You can also check out this complete guide on what skills, knowledge and characteristics make a great virtual assistant.
10. Graphic Design
You can offer graphic design services to businesses and individuals. You can find graphic design opportunities on freelance platforms like Fiverr and Upwork.
One way to earn money online without investment in Nigeria quickly is to start selling services online.
If you have a 9-5 day job that involves any type of digital design, you can offer those same services to clients who are looking for them online using legitimate sites like Fiverr, Upwork, and Freelancer.com.
You can also decide to offer your skillset to clients by having your own personal or business website where you show a portfolio.
If you have really good design ideas that can go on T-shirts, hoodies, masks and mugs. Then you should definitely sign up for Printivo. With the Printivo marketplace, you can upload your designs to be placed on different items of your choosing.
Anytime a customer comes on Printivo and makes use of your design or orders an item with your design on it, Printivo pays you 15% of the value of the item. Now if a customer orders items with your design worth N100,000. You get N15,000. Not bad for just uploading your design yeah?
11. Social Media Management
You can manage social media accounts for businesses and individuals. You can find social media management opportunities on freelance platforms like Fiverr and Upwork.
12. Web Development
You can offer web development services to businesses and individuals. If you can develop or design websites with code or no-code tools like WordPress, Webflow etc. Then wed development is a good way to earn money online without investment in Nigeria.
The only investment you’ll have to make is searching for work.
You can find web development opportunities on freelance platforms like Fiverr and Upwork.
13. Stock Trading
You can make can earn money online by investing in stocks, especially foreign stocks. Although this comes with a risk and requires some financial know-how.
When buying stocks it’s best to buy stocks of companies that would be around for a long time.
If you’re interested in investing in foreign stocks in Nigeria. You can start investing in shares in Nigeria through apps like Trove and Bamboo.
You can earn money through stock trading on online platforms like eToro.
14. Online Gaming
You can earn money online without investment in Nigeria by playing online games on platforms like G2G.
There are games and apps that pay real money in Nigeria if you’re willing to use your smartphone to make money. However, it will take some effort and time to make money consistently with these games and apps.
Checkout: Top Money Making Apps in Nigeria
Some of these games and apps to make money online in Nigeria are: ScooperNews, Google Opinion Rewards, Free cash, Blitz and Toluna.
Now that you have this information, it is time for you to take action.
Nobody will eat for you, nobody will walk for you neither will anybody improve you other than yourself.
Take a leap today and you’ll definitely see the light at the end of the tunnel.
15. Online Data Entry
You can offer data entry services to businesses and individuals. Some data entry gigs only pay a few dollars per hour, but there are others that can pay upward of $20 per hour.
Data entry jobs are a good way to earn money online without investment in Nigeria as you get to choose your own schedule and work when you want to.
The great thing about data entry jobs is the flexibility of working from wherever you are.
Data entry jobs are perfect for stay-at-home moms and for students who are looking to make money online in Nigeria.
Data entry jobs usually involve taking hard-copy information, like house addresses, or survey responses, and inputting (typing) it into a computer program.
Data entry jobs also involve scanning documents as well as transcribing audio and video files.
You don’t need any certification or any specialised training to do a data entry job, you just need to be able to read English well and type on a computer.
You can find data entry opportunities on freelance platforms like Upwork, Amazon MTurk, Flexjobs, Inboxdollars, Microworker, Fiverr and Clickworker.
16. Translation Services
You can offer translation services to businesses and individuals. You can find translation opportunities on freelance platforms like Fiverr and Upwork.
Transcribing involves taking audio and video files, listening to them and converting them into text. The money you can make from transcription jobs can vary depending on your level of experience and the industry.
If you want to make money online via remote transcription jobs, you can sign up with sites that offer transcription jobs. Sites like Allegis Transcription and Scribie offer transcription jobs that you can do from anywhere.
If you want to practice your transcription skills as you look for transcription jobs, you might want to check out this workbook. You can also use this software to make your transcribing easy for you.
17. Online Store
Starting an online store and selling products is another great way to earn money online without investment in Nigeria.
It’s so easy to sell online these days, even in Nigeria. Anything that can be delivered from Point A to Point B can be sold online. Selling online is a great way to make money online in Nigeria.
The hard part of selling online has to do with choosing what to sell. You can start with things that interest you. If you love beauty and fashion, you could start selling clothes or beauty products.
If you love gadgets you can decide to start selling phones or phone accessories. Try not to start selling too many different products. Don’t sell phones and clothes together.
In Nigeria, you can sell through an e-commerce Platform like Jumia or Konga. However, they take a heavy commission on your sales and you have to compete with a lot of other merchants doing the same thing as you.
You can stand out by having your own online store that you can send customers to via social media and Google.
You can start your online store with an easily customisable all-around e-commerce platform like Shopify. You can also create a Flutterwave online store for free. You can also create product and payment links that you can send to customers with Paystack.
You can also sell digital products like ebooks to customers with these online selling platforms in Nigeria.
18. Dropshipping
You can start a dropshipping business and sell products without having to hold any inventory.
Dropshipping is another great option for you to earn money online without investment in Nigeria.
Dropshipping is the same thing as selling products online, the only difference is you don’t have to buy and stock the products before you can sell them.
With your dropshipping online store, whenever a customer orders products, your store orders the product from a third-party supplier. The supplier then ships the product directly to your customer. You don’t see the product nor do you deliver it.
You can start a Dropshipping business with Spocket. The products on the Spocket platform are sourced individually from vetted US and EU suppliers from around the world.
Spocket also makes it possible for your customers to receive fast shipping wherever they might be.
Skills Needed to Earn Money Online in Nigeria
To earn money online, you need to have some basic skills like good communication, time management, and the ability to work independently. Depending on the platform or opportunity you choose, you may require specific skills like writing, graphic design, programming, or tutoring. Some platforms may require you to have a particular educational
In today’s digital age, earning money online has become a popular and viable option for people all over the world, including Nigeria. With the rise of various online platforms and opportunities, individuals can earn money without any investment or capital.
In this guide, we will explore some legitimate ways to earn money online in Nigeria without investment, the skills needed, and the platforms Nigerians can earn money online from.
Platforms Nigerians can Earn Money Online from
There are numerous platforms Nigerians can earn money online from, including:
- Fiverr
- Upwork
- Freelancer
- Guru
- Swagbucks
- Survey Junkie
- Vindale Research
- Amazon Associates
- Jumia Affiliate
- Konga Affiliate
- TutorMe
- Chegg
- VIPKid
- Shutterstock
- iStock
- Adobe Stock
In conclusion, earning money online without investment in Nigeria is possible, but it requires hard work, dedication, and patience. You need to identify your skills, choose a platform that aligns with your interests, and create a profile that showcases your expertise. By following these tips mentioned above, you can start earning money online from the comfort of your home.
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