Discover Your Spending Power

Find out how much credit you qualify for in minutes and shop easily from any store.
Know your Limit

Know your limit under 5 mins

Check your spending limit instantly and completely free. Your credit score remains safe.
Enter your phone number and email address
Verify your identity with the OTP sent to your phone
Instantly view your approved credit limit
Check your limit here
Thank you! Your submission has been received!
Check my limit again
Oops! Something went wrong while submitting the form.

How to Shop with Credit Direct Checkout

Visit the merchant store or website to pick your product
Select your products and proceed to checkout.
Choose Credit Direct Checkout as your payment option.
Complete the quick verification to use your available credit
Proceed with your purchase
Get Shopping
KNOW MORE ABOUT spending limits

Frequently Asked Questions

Why Should I Use Credit Direct Checkout for BNPL Shopping?

1. You can buy higher-ticket items by spreading the cost over time, making expensive purchases more affordable.
2. Our easy down-payment and flexible tenor to enable you to make your purchase easily.
3. You get to take home your purchases immediately, enjoying the benefits of the product without waiting until you can afford the full price up front.
4. While we charge interest to remain profitable, our rate is very competitive, making it a more affordable financing option for customers.
5. Regular, timely repayments to help you build a positive credit history.
6. Fast and secured digital experience you can trust.

What is the maximum  pre-approved limit I can get?

You may qualify for up to ₦1,000,000, depending on your profile. Your limit is determined after registration and verification to ensure it aligns with your financial needs.

What do  I need to buy now & pay later?

To complete your registration, you’ll need:
1. An active bank account in your name.
2. Your Bank Verification Number (BVN)
3. A phone number linked to your BVN
4. Employment details (for salaried or business owners)
5. Personal information, including your residential address
6. An active ATM card linked to your account
7. A unique email address for secure transactions

Can I use my pre-approved limit for cash withdrawals?

No, your pre-approved limit is exclusively for purchases at our partner merchants. It’s designed to give you more shopping flexibility, not cash access.

Why do I need to verify my identity?

Identity verification helps protect your account and ensures compliance with financial regulations. It’s a quick process that helps us provide you with a secure and seamless experience.

What is a repayment instrument?

A repayment instrument is simply the method you select to make your repayments. This could be your bank account, debit card, or a mobile wallet — whichever is most convenient for you.

See more FAQs
try this code