The price of a good phone in Nigeria today is not a small thing. This applies to other household items, such as a quality refrigerator, a laptop, or other home appliances. For most people, the issue is not whether the product is great; it is whether the full amount is available at one time.
Buy now, pay later in Nigeria has changed that calculation for millions of Nigerians. With Credit Direct Checkout, you can walk into a partner store or shop online, pay just 25% upfront, and spread the remaining balance across 6 monthly instalments. You can get up to ₦1,000,000 to shop, and finding out how much you qualify for takes less than 5 minutes.
Here are eight stores where you can shop with Credit Direct Checkout today and pay later.
How Credit Direct Checkout’s Buy Now Pay Later Works
Before the list, here is the short version of how it works:
- Check your limit — find out how much shopping credit you qualify for. Free, quick, and does not affect your credit score.
- Visit the store — in person or online, depending on the merchant.
- Pick your product — then choose Credit Direct Checkout at payment.
- Pay 25% upfront — your remaining balance is spread over six monthly instalments.
You will need an active bank account, a BVN-registered phone number, and an active ATM card. That is it.
Now, the stores.
Eight Stores That Accept Buy Now Pay Later In Nigeria
1. SLOT Nigeria
One of the most recognised electronics retailers in the country, SLOT has been selling phones, tablets, laptops, and accessories across Nigeria for decades. Whether you are after the latest Android flagship, an iPhone, or a reliable everyday device, SLOT is one of the first names most Nigerians trust. You can now use Credit Direct Checkout in-store. Shop at SLOT →
2. Konga
Nigeria's largest online shopping destination carries everything from smartphones and laptops to home appliances, TVs, and generators. The range is enormous, and delivery is nationwide. For anyone who prefers to shop from home and have their purchase delivered, Konga with Credit Direct Checkout is a powerful combination. Shop on Konga →
3. Pointek
A well-established technology and electronics retailer with a strong presence in Lagos, Pointek stocks phones, laptops, printers, accessories, and a wide range of tech products. If you are looking for a reliable in-store electronics experience, Pointek is worth checking out. Shop at Pointek →
4. OgaBassey
OgaBassey is a popular destination for phones, gadgets, and accessories — particularly known for offering competitive prices and a broad selection of devices, including iPhones, Samsung, and other leading brands. A good option for shoppers who want quality devices without the full upfront cost. Shop at OgaBassey →
5. 3C Hub
3C Hub specialises in gadgets and accessories, offering phones, smart devices, and tech accessories across their locations. If you are looking for a focused gadget shopping experience with the flexibility of Checkout, 3C Hub is one to know. Shop at 3C Hub →
6. Eight Sage (8Sage)
Eight Sage stocks a thoughtful range of home appliances and kitchen equipment — from blenders and microwaves to larger household items. For anyone looking to upgrade their home without paying everything at once, 8Sage is a solid destination with Credit Direct Checkout available online. Shop at Eight Sage →
7. SIMS Nigeria
SIMS is one of Nigeria's leading consumer electronics and home appliance retailers, carrying major brands like Royal across refrigerators, freezers, air conditioners, TVs, and more. Shopping here with Checkout means you can bring home a full-sized appliance with just 25% down. Shop at SIMS Nigeria →
8. Electromart
Electromart offers a wide selection of home and kitchen appliances, including gas cookers, refrigerators, and other household appliances from brands like Bruhm. If you are building out or upgrading your home, Electromart, paired with Checkout, makes the investment significantly more manageable. Shop at Electromart →
Ready to Shop with Credit Direct Checkout?
These are just eight of the over 1,000 merchants available on Credit Direct Checkout. From phones and laptops to kitchen appliances and home equipment, there is a wide range of products you can buy now and pay for over time.
The first step is knowing what you can spend. It takes less than five minutes and will not affect your credit score.
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