Buy Now Pay Later Nigeria | Shop Today, Pay in 1–6 Easy Instalments

From 30% Down-Payment

Shop Today.
Pay Later,
Your Way.

Get what you need right now and split the cost into easy, manageable instalments — no paperwork, no stress.

Trusted Financing,
Backed by
Credit Direct.

We've partnered with Credit Direct, licensed by the Central Bank of Nigeria, so every instalment plan you get is regulated, secure and built on a name you can trust.

Get Started Free How it works ↓

1 to 6 Months

Flexible Instalments,
Built Around
You.

Pick a payment plan that fits your pocket — from one to six months, with clear pricing and terms laid out before you check out.

Get Started Free Try the calculator ↓

Approved in 60 Seconds

Get Approved.
Get It
Today.

No lengthy forms and no long waits. Get approved in under a minute and receive your order right away — then pay at your own pace.

Get Started Free How it works ↓

Simple process

How Buy Now Pay Later Works

Four easy steps from checkout to doorstep — with payment on your schedule.

Add to Cart

Browse and shop as normal. Add any item to your cart — BNPL is available at checkout for eligible orders.

Quick Approval

Select "Pay Later" at checkout. Get approved in under 60 seconds — no lengthy forms or credit checks.

Get Your Order

Your order is confirmed and dispatched immediately. You get your items now, not when you've finished paying.

Pay in Splits

We automatically collect your instalments on the agreed schedule. zero surprises.

Watch & Learn

See BNPL in Action

Watch our quick walkthrough to see exactly how to set up and use Buy Now Pay Later on your first order.

How to select BNPL at checkout
Choosing your payment schedule
Tracking and managing your payments
What happens if you miss a payment

Start Shopping Now

Plan your purchase

BNPL Calculator

Estimate your down payment and monthly instalments before you apply on the Credit Direct platform. Actual terms may vary based on your credit score.

Product price

Instalment plan

Down payment (30%) ₦0

Amount financed ₦0

Interest (7.5%) ₦0

Total repayable ₦0

Estimated monthly payment ₦0

This calculator provides an estimate for guidance only, based on a standard 30% down payment and 7.5% interest rate. Your actual down payment, interest rate, and eligibility are determined by Credit Direct's credit assessment and may vary based on your credit score. Final figures will be confirmed during your application.

Apply on Credit Direct

Got questions?

Frequently Asked Questions

Everything you need to know about our Buy Now Pay Later service.

What is the required down payment and interest rate?

We require a standard 30% upfront payment, with the remaining balance spread over 1 to 6 affordable monthly instalments via Credit Direct. Our 7.5% interest rate is among the most competitive rates available in the Nigerian market, making it easier to own the gadgets you need without paying the full amount upfront. Your exact down payment and eligibility are assessed individually and may be influenced by your credit score, so some customers could qualify for different terms.

What happens if I miss a payment?

We'll send you a reminder before every payment is due. If you miss one, we'll notify you and give you a grace period to catch up. We always try to work with you first — no aggressive collections.

Do I need a credit check to qualify for Buy Now, Pay Later (BNPL)?

Yes. A quick credit check is required to assess your repayment ability and confirm your eligibility. Your credit score can influence the terms you're offered, including your initial down payment, so it may be higher or lower than the standard 30% depending on your profile. There's no harm in checking — it only takes a few minutes, and our team is happy to guide you through it on WhatsApp.

When will my order be delivered?

Your order is processed and dispatched immediately after your first payment is made — exactly like a regular purchase. You don't need to wait to finish paying to receive your items.

Can I pay off my balance early?

Absolutely. You can pay off your remaining balance at any time from your account dashboard with no early repayment fees. In fact, we encourage it!

Ready to Shop Smarter?

Join thousands of customers who shop now and pay on their own schedule.

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