How it works
Simple installment plans and transparent micro-loans
Two products, one process. Sign in, complete your profile once, and choose between buying a household item on installment or applying for a cash micro-loan. All figures are shown up front before you commit.
Installment shopping
- 1
Pick an item
Browse the shop and open any product page to see the price, deposit and available plan lengths.
- 2
Choose your plan
Select 4, 8 or 12 weeks. The weekly amount and total repayable update instantly.
- 3
Pay 25% deposit
Pay the deposit online. The item is scheduled for delivery.
- 4
Pay weekly
Repay the balance in equal weekly installments. Any plan interest is shown before checkout.
| Plan | Duration | Deposit | Repayment cadence |
|---|---|---|---|
| Short | 4 weeks | 25% | Weekly |
| Standard | 8 weeks | 25% | Weekly |
| Extended | 12 weeks | 25% | Weekly |
Interest, if any, is set per product and shown on the product page before checkout. Longer plans may carry a small interest amount to cover credit risk.
Micro-loans
- 1
Complete your profile
Upload ID, proof of address, next-of-kin details and bank account.
- 2
Choose your amount
Request between ₦20,000 and ₦200,000.
- 3
Review the schedule
We show the total repayable and the daily amount over 24 business days before you sign.
- 4
Receive funds and repay
Approved funds are disbursed to your bank. Repay every weekday for 24 days.
Key terms at a glance
- Amount: ₦20,000 – ₦200,000
- Interest: 20% flat on the requested amount
- Duration: 24 business days (weekdays only, no weekends)
- Cadence: equal weekday installments
- Early settlement: allowed at any time, no penalty
Eligibility
- You're 18 or older and live in Nigeria.
- You have a valid government-issued ID (NIN, driver's licence, voter's card or international passport).
- You have a Nigerian bank account in your own name.
- You can provide a next-of-kin contact and proof of address.
- For micro-loans, you have a regular source of income to support weekday repayments.
Repayment
Every schedule is shown in your dashboard, with the amount due and the due date for each installment. You can repay online, by bank transfer, or in person at our Ibadan office. Missed payments trigger reminders; repeated defaults may affect eligibility for future orders and loans.