Nepo Baby vs LAPO Baby
You don’t choose how your Lagos Life account starts — the server rolls it. Here’s the full comparison of cash, debt and housing for each background, so you can plan a first week that fits whatever you drew.
Starting-background comparison
| Background | Starting cash | Loan / debt | Instalment | Home & perks |
|---|---|---|---|---|
| Nepo Baby | ₦500,000 | ₦0 owed | ₦0 | Parent covers the furnished home rent. A Toyota Prado is included (fuel still costs). You begin above entry level in a city-specific career. |
| LAPO Baby | Varies by home | ₦60,000 loan · ₦72,000 owed | ₦12,000 | +25% skill-learning bonus, starts with Hustle 2. A regular home adds the ₦60,000 loan to the home balance. |
| UNILAG Fresher | ₦14,000 | No debt | — | Hall of Residence · UNILAG, Akoka. ₦1,200 weekly rent, ₦3,000 Monday allowance, first-session fees paid. Loan-free. |
Nepo packages by city
A Nepo Baby starts with ₦500,000, Charisma 2, a furnished home with parent-paid rent, and a Toyota Prado. The exact home and starting job depend on the city.
| City | Home | Starting role | Level | Pay / shift |
|---|---|---|---|---|
| Lagos | Mini-flat · Lekki Phase 1 | Branch Manager | 3 | ₦31,500 |
| Abuja | Serviced apartment · Wuse 2 | Senior Admin Officer | 2 | ₦26,000 |
| Port Harcourt | Serviced apartment · Woji | Drilling Engineer | 2 | ₦31,000 |
LAPO starting cash by home
A regular LAPO start adds a ₦60,000 loan to the chosen home’s base balance — giving ₦76,000 or ₦96,000 in opening cash, with ₦72,000 owed. You also start with Hustle 2 and 25% faster skill learning.
| Home | City | Base + loan | Total cash | Weekly rent + loan |
|---|---|---|---|---|
| Face-me-I-face-you · Mushin | Lagos | ₦16,000 + ₦60,000 | ₦76,000 | ₦14,400 |
| Self-contain · Yaba | Lagos | ₦36,000 + ₦60,000 | ₦96,000 | ₦18,000 |
| Single room · Rumuokoro | Port Harcourt | ₦16,000 + ₦60,000 | ₦76,000 | ₦14,600 |
| Mini flat · D-Line | Port Harcourt | ₦36,000 + ₦60,000 | ₦96,000 | ₦18,000 |
| Single room · Kubwa | Abuja | ₦16,000 + ₦60,000 | ₦76,000 | ₦14,800 |
| Mini flat · Gwarinpa | Abuja | ₦36,000 + ₦60,000 | ₦96,000 | ₦18,000 |
Weekly cost = rent + one full loan instalment. It excludes food, fuel, transport and other spending; rent and loan have separate collection schedules.
When LAPO repayments are collected
- Loan instalments are ₦12,000 every seven days, from 10:00 on the in-game Lagos clock.
- Rent is collected Saturday from 09:00 — keep both ready before the weekend.
- If you miss an instalment, the late penalty is 10% of that missed payment (normally ₦1,200), not 10% of the whole loan.
Which start is best?
Nepo Baby
₦500,000, no rent or loan, and a level-3 Branch Manager job in Lagos. But you learn skills at the normal rate — the head start fades if you coast.
LAPO Baby
Starts with Hustle 2 and a 25% skill-learning bonus, but owes ₦72,000. Skills unlock promotions, so the gap closes faster than you’d think.
UNILAG Fresher
₦14,000, no debt, ₦1,200 rent and a ₦3,000 Monday allowance — the hardest open, but the cheapest weekly bills and the same 25% learning bonus.
Frequently asked questions
How much cash does a regular LAPO start get?
The home base balance plus the ₦60,000 loan gives ₦76,000 or ₦96,000 depending on the chosen home. The total loan owed is ₦72,000.
Does the UNILAG student start get the LAPO loan?
No. The student package starts with ₦14,000 and no LAPO debt, plus a ₦3,000 Monday allowance and first-session fees already paid.
Can you reroll Nepo or LAPO with a new life?
No. The birth lottery is once per account, and starting a new life does not reroll the result.
What is the late penalty on a missed LAPO instalment?
10% of that missed payment — normally ₦1,200 on a full ₦12,000 instalment. It is not 10% of the whole outstanding loan.