Consumer BNPL
Buy Now, Pay Later. Get the things you need today and spread the cost over manageable monthly instalments. No collateral, no hidden fees.
Buy Now, Pay Later for Everyday Nigerians.
Consumer BNPL lets you purchase electronics, appliances, fashion, groceries, and more from partner merchants and pay in fixed monthly instalments. No lump-sum pressure. No collateral. Just a credit limit tied to your verified income.
Whether you are shopping online or at a physical store, your BNPL limit is available instantly once approved. Repayment is automatic via GSI on your salary date, so you never miss a payment.
Key Features
Shop Smart. Repay Easy.
Instant Approval
Get a credit limit in minutes, not weeks. No branch visit required.
Shop Anywhere
Use at partner merchants online and offline across Nigeria.
Flexible Tenure
Choose 1 to 6 months based on your notice period and cash flow.
Zero Collateral
Your verified income is your qualification. No assets needed.
Revolving Limit
As you repay, your limit refreshes. Use it again and again.
Transparent Pricing
Fixed monthly rate with no hidden fees or penalties.
Four Steps to Start Shopping.
The entire process takes under 5 minutes. No branch visit required.
Apply Online
Fill your profile and income details in under 5 minutes.
Get Verified
We verify your BVN and income source instantly.
Receive Limit
Your BNPL credit limit is activated immediately.
Shop & Pay
Buy from partner merchants and repay in monthly instalments.
Documents Needed.
We keep documentation minimal. Most applicants complete this in under 10 minutes.
Loan Calculator
Monthly Payment
₦52,250
Total Interest
₦2,250
Total Payback
₦52,250
Rates are indicative. Final rates depend on your risk profile and product terms.
Ready to Shop?
No branch visits. No collateral. No hidden fees. Just a simple online application, a verified income check, and a decision.