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The short answer
Plan bridal or event beauty by listing every service, getting written quotes, paying deposits from savings, and setting aside money each month before the date. Loans on Spaces can cover services from salons and spas in the Spaces network, but only use it for an amount you can repay from known income by the date shown.
Why event beauty costs more than people expect
A Nigerian wedding is rarely one event. There may be an introduction, a traditional ceremony, a white wedding and a reception, sometimes over several days. Each can call for a different look, and the bride is not the only one: mothers, bridesmaids, the groom and close family often have their own appointments. Even as a guest, a big owambe can mean hair, make-up and gele tying on the same morning.
The costs that surprise people are usually the extras: trial sessions, transport fees for artists who come to you, early-morning surcharges, and the second look for the reception.
Step 1: list every service
| Service | When | Notes |
|---|---|---|
| Make-up trial | 4 to 8 weeks before | Lets you confirm the look and the artist |
| Bridal make-up | Each ceremony day | Ask if a touch-up kit is included |
| Gele tying | Traditional day | Some artists charge per person |
| Hair styling or install | Days before and on the day | Include the cost of hair or extensions |
| Nails, pedicure and manicure | 1 to 3 days before | Book early in busy months |
| Spa or facial | 1 to 2 weeks before | Facials too close to the day can cause irritation |
| Groom's grooming | Days before | Barbing, beard shaping, facial |
| Artist transport or home service | Each day | Often charged separately |
Step 2: get quotes in writing
Ask every artist or salon for a written quote that lists exactly what is included, the deposit, the balance, and what happens if the date moves. A message on WhatsApp is better than nothing; a proper invoice is better still. The FCCPC's consumer rights cover clear information about what you are buying and protection against misleading terms, so a written quote also helps if something goes wrong.
- Confirm whether lashes, hair and products are included or extra.
- Ask how many people the artist will bring and whether there is a fee per extra face.
- Ask about cancellation and rescheduling.
- Get the arrival time in writing, especially for early starts.
Step 3: build the budget and a timeline
Example only. Ngozi is getting married in Owerri in five months. Her quotes:
| Item | Example amount |
|---|---|
| Make-up trial | ₦40,000 |
| Make-up, traditional and white wedding | ₦300,000 |
| Gele tying (bride and mother) | ₦40,000 |
| Hair, including extensions | ₦150,000 |
| Nails and pedicure | ₦35,000 |
| Facial two weeks before | ₦45,000 |
| Artist transport | ₦40,000 |
| Total | ₦650,000 |
Deposits of about ₦200,000 are due now. Ngozi pays them from savings. That leaves ₦450,000 due in the final month. Saving ₦90,000 a month for five months covers it. If she can only save ₦70,000 a month, she will be ₦100,000 short at the end, and she has three choices: trim the list, ask family to cover a service, or use credit for the gap and repay it after the wedding from a known source.
Where credit can help and where it should not
Weddings bring pressure to spend. A useful rule is to borrow only for a fixed, known shortfall, not to upgrade every service because credit is available. If you choose credit for part of the budget, check two things first: the exact amount you need, and how you will repay it.
- Good use: a known gap of ₦100,000 at a spa or salon in Spaces, repaid from next month's salary.
- Poor use: adding a second reception look you had not planned, with no clear way to repay.
- Poor use: planning to repay from wedding gifts. Gifts are uncertain and may be needed for other bills.
For saving in stages, a Fixed or Flexible Savings Box helps keep wedding money separate from daily spending; see Savings Boxes. For general saving advice, read how to save when inflation is high.
Bridesmaids and family
Decide early who pays for whose look. In many weddings, bridesmaids pay for their own hair and make-up, while the couple or family covers the bride and mothers. Put the arrangement in writing in the group chat, with amounts and deadlines, so nobody is surprised. If you book the artist for everyone and collect money later, you carry the risk of people paying late. Collect contributions before the deposit is due.
If an artist lets you down
Keep every quote, payment and receipt. If an artist does not arrive or the service is not what was agreed, ask for a refund in writing. If the business refuses without good reason, you can complain to the FCCPC. If you paid through Spaces, keep your app receipt and contact Pryme support as well; any refund still follows the merchant's process, and your repayment obligation stays until the loan is repaid or refunded.
Where Pryme fits
If a Loans on Spaces limit is offered in your Pryme app, you can pay salons and spas that are Spaces merchants on credit, after reading and accepting an agreement that shows the amount, cost and repayment date. Ask your artists whether their business is in Spaces. See paying salons and spas with Loans on Spaces.
Questions people ask
How much should I budget for bridal make-up in Nigeria?
It depends on the artist, city and number of looks. Get written quotes for each ceremony, add trials, transport and extras, and budget from those figures.
Can I pay for my wedding make-up in instalments?
Some artists accept a deposit and balance. If the salon or artist is a Spaces merchant, you could also use Loans on Spaces after accepting the agreement shown in the app.
Should I borrow for wedding beauty?
Only for a known shortfall you can repay from regular income by the date shown. Do not plan to repay from gifts.
What can I do if a make-up artist does not show up?
Ask for a refund in writing, keep your records, and complain to the FCCPC if the business refuses without good reason.
Sources
- FCCPC: Consumer rights and responsibilities · accessed Oct 2026
- CBN Consumer Protection Regulations 2019 · accessed Oct 2026
- CBN: Consumer Protection Department · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.