Frequently asked questions

You pay 25% of the item price on delivery. The remaining 75% (plus any plan interest shown on the product page) is spread across the plan you choose — 4, 8 or 12 weeks.

Interest is set per product and per plan length, and is displayed on the product page before you check out. Many items carry no interest on the shortest plan. Longer plans may include a small interest amount to cover credit risk. The total repayable is always shown up front.

Installment plans run for 4, 8 or 12 weeks with weekly repayments. Micro-loans run for 24 business days (weekdays only) with a small equal repayment each weekday.

Micro-loans range from ₦20,000 to ₦200,000. First-time borrowers may be approved for lower amounts. Completing plans on time unlocks higher limits.

Micro-loans carry a flat 20% interest on the amount you request. The exact total repayable and daily amount are shown before you sign the agreement.

You must be 18 or older, live in Nigeria, hold a valid government-issued ID (NIN, driver's licence, voter's card or international passport), have a Nigerian bank account in your own name and be able to provide a proof of address and a next-of-kin contact.

A valid government ID, a recent utility bill or bank statement showing your address, your bank account details, a next-of-kin contact, and a signed copy of our repayment agreement (you can sign it right on the site).

Every installment is listed in your dashboard with the amount and due date. You can pay online with a card or bank transfer, or in person at our Ibadan office. We'll send you reminders as each due date approaches.

Yes. You can pay off the remaining balance at any time. Early settlement closes the plan and stops any future interest that would have accrued.

We'll follow up with reminders. Repeated missed payments may affect your eligibility for future orders and loans and could trigger recovery action under the signed agreement. Please contact us before your due date if you expect a delay.

We deliver across Ibadan and to major cities in Nigeria. Delivery is scheduled after your 25% deposit is received.

Yes. We use encrypted connections, store documents securely and never share your details with third parties except where required to complete a payment or by law.

Call 080 5697 6749 or 070 6880 3881, email hello@rtkglobal.shop for general enquiries, or support@rtkglobal.shop for help with your account, payments or orders. You can also chat with us right here on the site.