Best Buy Now Pay Later Stores in Nigeria

Are you searching for the best buy now pay later stores in Nigeria? Guess what? I’ve got the right suggestions for you. In this article, we will be highlighting and discussing some of the best buy now and pay later stores in Nigeria. Hence, read through this article till the end.

Meanwhile, Buy Now Pay Later is slowly gaining popularity in Nigeria as new platforms and companies emerge to offer Nigerians the opportunity to shop for an item while paying later.

Best Buy Now Pay Later Stores in Nigeria

This is, of course, a result of the inflation rate in Nigeria, which has made it hard for Nigerians to have enough disposable income to acquire different items of their choice.

But with this method, people can acquire items and then pay at a convenient time. Plus, this payment option has helped drive sales for thousands of companies and business owners in Nigeria.

What is Buy Now Pay Later?

Buy Now Pay Later, or BNPL is a point-of-sale loan that is usually short-term. This loan allows you to purchase physical items such as laptops, mobile phones, and other electronic gadgets and pay for them later. You might be given three to five months to pay off your debt but depending on the retailer. However, you will get regular installment payments instead of paying for the item immediately.

Requirements Needed to Apply for Buy Now Pay Later In Nigeria

Before applying for buy now pay later in Nigeria, there are certain requirements and criteria that need to be met. In this section of the article, we will outline some of these requirements. It is worth noting that these requirements may vary from store to store. But below are the general requirements:

  • Salary Account statement for at least 6 months.
  • Valid ID card, such as a work ID or an employment letter.
  • Also, a valid government ID card, such as a driver’s license, national identification card, voter’s card, or Nigerian passport, will be needed.
  • Finally, your bank identification Number ( BVN)

With the above credentials, you can successfully apply for buy now pay later from any store of your choice in Nigeria. Checks out the next outline for some of the best stores in Nigeria that offer the buy now pay later option.

Best Buy Now Pay Later Stores in Nigeria

After careful research, we have compiled some of the best stores in Nigeria that allow you to buy items while paying later. If you’re interested in discovering some of these stores, then check out the list below:


One of the most popular e-commerce sites in Nigeria that offers buy now pay later is Spredda. This company deals in home appliances, electronics, mobile phones, computers,  fashion and beauty products, etc. You can get these products at affordable prices. Plus, they offer two buy now and pay later options, including PayQart and Lay-by.

When you use the PayQart options, you can take your items and pay within six months. If you fail to complete your payment within six months, you will pay a little interest. On the other hand, when you use the Lay-by option, you won’t incur any interest. But your item will be reserved for a period of three to four months with an advanced payment of 20%.

You can select from any of the available payment options and purchase your desired items. It is worth noting that Spredda is a reliable and trusted company with a good customer service relationship.


Known as one of the biggest marketplaces in Nigeria, CDcare operates on Android, iOS, and the web. On this platform, you can shop for gadgets and other household appliances that you want, and they use the Buy Now Pay Later method.

The best part is that it doesn’t attract any interest, and shopping on this site is easy and stress-free. You can shop for phones, kitchen appliances such as microwaves and freezers, and more. Also, you can pay for purchased items on a weekly or monthly basis.

 However, you will need to make at least a 50 percent installment before your item is delivered to you. Once your item has been delivered, you can decide how you want to pay. CDcare is one of the best Buy Now and Pay Later stores in Nigeria, and you can make use of this platform from the comfort of your home.


EasyBuy is another awesome platform where you can buy items and pay later. It is a mobile-based loan app in Nigeria that offers the best loans. You can borrow from 10,000 Naira to 50,000 Naira with a 6% interest rate. And you can pay within 91 days to 180 days. While you can get a loan on this platform, you can also buy smartphones from any brand and make payments in installments.

This platform makes buying and paying later for items easy and stress-free. Meanwhile, to shop for a new smartphone on EasyBuy, you will have to make a 30% deposit. Then you can choose between 3 and 6 months to complete the payment.

Also, you will have to link your bank account to the agreed amount to be paid monthly from your account until you’ve completed all payments. It is worth noting that EasyBuy is secure to use, and this platform is operated by Palm Credit. You can visit to book an appointment today.


Another reputable platform in Nigeria that allows you to buy items and pay later is Credpal. On this platform, you can shop for items and pay over time using a credit card. In addition, you can purchase items from thousands of CredPal stores and enjoy flexible payment options with your CredPal credit card.

Some of the most popular stores in Nigeria where you can buy now and pay later with Credpal include Konga, Hard Rock Café, LG, Pointek, and thousands more.

The main aim of the company Is to provide you with seamless credit access for businesses and point-of-sale loans for individuals across Nigeria and other developing economies. Note that: You can shop for items on CredPal both online and offline and pay in installments.


This is an e-commerce marketplace that makes buying items in Nigeria easier and hassle-free. In addition, they offer a “pay small small policy”. This allows you to lock in an item and make gradual payments until the balance is completed.  Zoomba sells a wide range of products, such as phones, laptops, home appliances, and more.

However, you will have to go through layaway on Zoomba, and this allows you to have a product marked, but certain policies apply. Although Zoomba offers friendly services, its policies are a bit strict. Nonetheless, if you’re looking for a store in Nigeria that offers buy now and pay later, you can trust Zoomba to come to your rescue.


In conclusion, the advent of Buy Now Pay Later (BNPL) stores in Nigeria has undoubtedly brought about significant benefits for consumers and businesses alike. These innovative platforms have revolutionized the way Nigerians shop by offering greater flexibility and affordability when purchasing goods and services.

Hence, when next you wish to buy an item and you don’t have enough funds, you can consider any of the above-mentioned best buys now pay Later stores.

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