Buy Now, Pay Later

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

With our Buy Now Pay Later solution, it is easier than ever to buy the things you need and pay in convenient monthly installments.

Get the things you need now and pay later.

Follow the steps below.

Create Account

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

Apply for a BNPL loan

Make a Buy Now Pay Later request from your unique dashboard.

Doc Review & Underwriting

Fill out our KYC form to determine your eligibility.

Get Approved

Once approved, you can pick up your items from the vendor.


Upgrade your lifestyle at your convenience.

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

Up to 6 months tenor available.

Asset pickup immediately after your request has been approved.

This solution is available to both salaried and non-salaried employees.

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


What do you need to get approved for BNPL ?

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…

Live or work in Nigeria

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.

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)

Have a recent bank statement for the last 6 months (must be stamped by the bank).

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 that lets consumers make purchases and pay only a small upfront amount and repay the balance overtime. This offers more ease in purchasing commercial or lifestyle assets.

When you apply for BNPL (whether offline or online), the application and decisioning process takes about 30 minutes or less, after which you get a decision on whether or not it has been approved. When the requirements are met and it is approved, you can proceed to get your item from the vendor immediately.

With Buy Now, Pay Later (BNPL), you can get what you want today and spread the cost over several payments, giving you financial flexibility. You get to enjoy a better shopping experience with increased purchasing power and satisfaction.

You can finance a product of up to N1million Naira.

View More Q&A Here

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Find a Location

We are the Fintech arm of the FCMB Group, offering lending and fund management to individuals and businesses.

Contact Us

Phone: 02014482225

Phone: 02017005120


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

Whatsapp: 09070309430

Copyright © Credit Direct Finance Company Limited. Authorized and regulated by CBN.