Buy Now, Pay Later

Don’t window shop, get it now and pay in bits.

With our Buy Now Pay Later service, it’s quick and easy than ever to buy the things you need and pay in convenient monthly instalments.

Get the things you need now, and pay later.

Let’s help you upgrade your lifestyle.

Create Account

Sign up with your email and password to set up your account.

Apply for a loan

Make a request for a personal loan from your unique dashboard.

Doc Review & Underwriting

Fill out our KYC form to determine your eligibility.

Get Funded

After verification, funds will be disbursed to your bank account.


Upgrade your lifestyle, at your convenience.

Unique asset financing model for financing white goods, income-generating assets (ice-makers, grinding machines, etc.), and household equipment.

Tenors available are 3, 6, 9, and 12 months.

Asset Pickup within 24 hours of submission of completed documentation.

This product is open to both private and public sector organizations.

Purchase of these assets is at CDL-accredited vendors with warranties and active after-sales service.


What do you need to get your items?

To start your journey to financial freedom with us, we need to know whether you check all our boxes. It takes around 2 minutes and it won’t harm your credit rating.

To be eligible you must…

Have a staff Identification card

Live and or work in Lagos State.

Be between 22 and 58 years old.

Possess a clean Credit Bureau Report.

Not have a history of returned cheques in your account.

Possess a verifiable monthly income and pension statement

Run an account (Current or Savings) with a commercial Bank in Nigeria.

Present one recent passport photograph (within the last 6 months)

Possess a valid Proof of Identification (current ECOWAS Passport, National Identification, Driver’s License or Voters ID)

Present NUBAN Cheque leaves for the duration of Loan/Activated direct debit mandate

Have a salary bank statement for the last 3 months (must be stamped by the bank). Your bank can send it directly to us at

Send a letter of Employment, Confirmation, Promotion, Redeployment, Salary Increase OR Introduction Letter from Employer’s HR to CREDITDIRECT

Frequently asked questions

Got a question about our loans, how quick we disburse, or looking for other financial products?

Buy now, pay later (BNPL) is a type of short-term financing. Consumers can make purchases and pay for them overtime after an up-front payment. We offer ease in purchasing commercial or lifestyle assets and a convenient repayment plan.

In Buy Now, pay later (BNPL) once you apply, the loan application undergoes a thorough decisioning process and upon provision of certain requirements, the loan is approved within minutes. (If all requirements are met)

In Buy now, pay later (BNPL) you have an option to monitor your finances and gives you freedom to choose whatever phone or appliance you need and plan your repayment. It helps you build your credit score if payment is made on time.

You can finance a product up to N2million Naira with equity payment made.

View More Q&A Here

Ready to get started?

Start your journey to financial freedom today.

Contact us today

Call now

Visit a branch near you

Find a Location

The number one non-bank digitally-led lender that provides financial solutions to millions of customers.

Contact Us

Phone: 02014482225

Phone: 02017005120


Address: 48/50 Isaac John Street, GRA, Ikeja, Lagos, Nigeria.

Whatsapp: 09070309430

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