Buy gadgets on Credit and Pay later or in installment stores in Nigeria

Buy now, pay later platforms are a must in a country like ours. Given the current state of the country’s economy and the ever-increasing cost of living, an increasing number of Nigerians are falling down the socioeconomic ladder. In terms of earnings and purchasing power, it is not implausible to claim that Nigeria’s middle class is the new working class.

Many (middle-class) Nigerians live paycheck to paycheck, and it is becoming increasingly difficult for them to meet their basic needs. And people frequently have to forego a significant portion, if not all, of their earnings in order to purchase items.

Several platforms that enable people to buy and pay for installments have sprung up to help people’s purchasing power and alleviate their financial burden. These credit solutions platforms allow Nigerians to purchase specific products, primarily electronics, and spread payment over a specified period. These platforms frequently require a valid identification card (voters card, international passport, or driver’s license) as well as a bank statement or bank verification number to establish trust and ensure financial safety. A few of these platforms are listed below:

Buy now, pay later stores in Nigeria 2021

NAIJAGADGETS.COM is the best place to buy laptops, phones and other gadgets from verified and trusted vendors.

It is the biggest free online classified for sales of gadgets with an advanced security system. We provide a simple hassle-free solution to sell and buy almost any phone, laptop, desktop and accessories. We have some vendors who offer Buy now, Pay Later services. Click on image below to buy now and pay later.

Buy now, pay later stores in Nigeria 2021


Jumia Flex accepts payments for electronic devices in a variety of ways. Do you have a dream phone? Have you had your heart set on a particular smartphone or gadget? That thing you can’t seem to take your gaze away from? You’d love to own and use it, but you can’t due to…financial constraints. That issue is now history. with the help of Jumia and Afara Partners, you can “Buy Now, Pay Small Small.”

Every day, the intelligence of our smartphones improves, as does their price. Everyone wants to use the best phones, but OEMs seem to be making them unaffordable for the average phone fan — smartphone prices are skyrocketing!

The entire application process is completed online, and the prerequisites are listed below.


• Bank Verification Number (BVN)

• Bank Statements from the Previous Six Months (in PDF format)

• A valid identification card (national ID card, international passport, Voters Card, or driver’s license)

Jumia Flex financing devices are in good condition and come with a 12-month warranty. Learn more about purchasing a smartphone and paying in installments by visiting the Jumia Flex website.


Palmcredit, a consumer loan app, operates Easybuy, a mobile device financing platform. Customers can use this platform to buy mobile phones and other devices on credit and pay them back in installments. Customers are required to make a 30% deposit on the phone or device they intend to purchase, with loan terms ranging from three to six months.

Following the completion of registration and the initial deposit, the agreed monthly repayment is automatically debited from the borrower’s bank account until the loan tenure expires. The interest rate on Easybuy varies according to the length of the loan.

Buy cheap laptops in Nigeria here


Slot Nigeria stores allow you to purchase a phone and pay for it later ( Slot limited provides customers with a flexible payment plan. You can also trade-in your old phones for a new one. Fortunately, these options are also available for other items such as laptops and home appliances.

To buy a phone from SLOT and pay later, go to the nearest SLOT store/branch and inquire about the device(s) you want to buy, the price, payment plans, and any other information that you require. If the financing terms are acceptable to you, you will be asked to complete an application form and submit the necessary documents. If you do this, your application will be processed within 24 hours.

If you are approved, the device you want to buy will be delivered to you, and you will be able to pay for it later.



CDcare is a marketplace where Nigerians can buy their favorite gadgets and household appliances and pay in instalments with no interest.

CDcare offers a flexible instalment payment plan that allows customers to pay an equal amount weekly or monthly towards the purchase of an item. The desired item will be delivered prior to full payment in the middle of the customer’s instalment period (50 percent instalment). The payment will then continue until it is finished.

All purchase orders are subject to approval. Any payment duration chosen by the buyer must run its course and cannot be changed once payment begins. The payment process is simple, secure, and powered by Flutterwave.


Nowlater is an open-ended installment loan with repayment terms of three, six, or twelve months. Nowlater creates a platform where customers can buy from local and international brands and pay in installments, giving them the flexibility they need.

Fashion and beauty, household appliances, food and groceries, electronics, and furniture are among their products and services. When a customer agrees to use Nowlater, a lending partner pays the merchant on their behalf in exchange for a promise to repay the same amount plus a finance charge based on their creditworthiness.


Customers in Nigeria who want to buy phones and pay in installments can do so at Parktel Online. Parktel Online, on the other hand, only offers buy-now-pay-later plans to customers in Lagos and Abuja.

Also, keep in mind that these financing options are only available for phones costing N50,000 or more. To take advantage of this offer, go to the store or the website at


CredPal, was founded in 2018 by Fehintolu Olaogun and Olorunfemi Jegede, is a game-changing credit solution aimed at facilitating credit access for businesses and individuals in developing economies. Customers can use CredPal to buy anything from a variety of online and offline merchants and pay in installments.

CredPal offers consumer credit at the point of sale to Nigerians with low and middle-incomes. It also gives users a credit card called CredPal. CredPal operates with Visa cards that allow users to access consumer credit at POS channels and ATMs.

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