Discover Your Shopping Power!

Find out the shopping credit available to you with Credit Direct Checkout. Get up to N1,000,000 to shop now and pay later.
Check your Limit
Shop from 500+ trusted stores nationwide.
Spread your payments up to 6 months.

Check your limit under 5 minutes

Check your spending limit instantly and completely free. Your credit score remains safe.
Fill the short form to launch the widget.
Select whether you're a new or existing customer.
As a new customer, you will need to provide your BVN or bank account details for your credit check. Returning customers only need to enter and verify their phone number.
Instantly view your approved shopping credit limit
Use your approved limit at the point of purchase at your preferred Checkout partner merchant.
Fill these details to start your credit check
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How to Shop with Credit Direct Checkout

Visit the merchant in-store, on their website, or via social media 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 approved credit
Make your downpayment (minimum of 25%) and complete 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 get my approved limit as a cash loan?

No, your pre-approved limit is exclusively for purchases at our partner merchants. Credit Direct Checkout is not a cash loan. It’s a payment option designed to give you more flexibility at the point of purchase.

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.

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