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.
Shop now

1

M+

in credit

1

k+

TRUSTED MERCHANTS

ZERO

PAPERWORK REQUIRED

QUICK

APPLICATION PROCESSS
4 EASY STEPS TO APPLY

How to get a Sharp Sharp Loan

Get paramilitary loans
Apply for loan
Sign up with your email and password to set up your account.
Doc Review & Underwriting
Fill out our KYC form to determine your eligibility.
Get Funded
After verification, the funds will be disbursed to your bank account.
FEATURES AND BENEFITS

Upgrade your lifestyle at your convenience.

Up to 6 months payment plan 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.
4 EASY STEPS TO APPLY

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.
Know Your Limit
Active bank account
Helps assess your eligibility.
Active email address
To receive important updates.
BVN & BVN-registered phone number
For quick ID and OTP verification.
Active ATM Card
For easy down payment & future instalments.
KNOW MORE ABOUT Credit direct merchants

Frequently Asked Questions

How Much Credit Can I Get?

You can access up to ₦1 million in credit! Whether you’re buying a single item or multiple, Credit Direct Checkout ensures you have the purchasing power you need.

Are the Repayment Terms?

Credit Direct Checkout offers flexible repayment terms which include:

  • Start with a down payment of 30% to 80% of the purchase price.
  • Spread the balance over 1 to 6 months.
  • Enjoy competitive interest rates starting at 7.5%.
Is there paperwork involved?

No. With Credit Direct Checkout, everything is digital. You can apply, verify, and complete your purchase online without dealing with tedious forms or long queues.

What happens if my card goes missing before the end of my loan-repayment period?

If your card is lost, contact Credit Direct’s Customer Service team immediately. We’ll provide you with an account for repayment purposes.

What happens if I want to pay more than 30% down payment?

During registration, you can select a down payment plan that suits you, with options ranging from as low as 30% to as high as 80%.

What Can I Buy With Credit Direct Checkout?

From gadgets and electronics to fashion, household essentials, and more, Credit Direct Checkout works with a variety of merchants to ensure you can shop for virtually anything.

Can I waybill a product if I buy it from a merchant who is not in my location?

Yes, you can! However, logistics arrangements are made directly between you and the merchant, as Credit Direct is not involved in shipping.

Is Credit Direct Checkout available in all states in Nigeria?

Yes, Credit Direct Checkout is accessible across Nigeria, so you can shop wherever you are.

See more FAQS
Contact us today
Have questions about our loans? We're here to help.
Call now
Visit our branch today
Prefer face-to-face chat? Find a branch close to you.
Locate a branch

Chat with Clara for instant access and quick answers to all things Credit Direct.

Chat with Clara