If you’re a Nigerian and want to buy a phone and pay later, you’ll need to have a few documents. Before you may apply to buy a phone and pay later in any store or platform in Nigeria, you’ll need the following documents.
- You must present your 6 months bank statement.
- Your Bank Identification Number (BVN) is also required.
- You must provide your Employment letter or Work ID CARD.
- You will also need to present A valid Government Issued ID CARD (either Driver’s license, National Identity Card, Voters Card, or Nigeria passport)
- You Must be age from 22 and above
- You must be a working-class or business person of not less than a year in the business.
1. BuyNowPayLater
They provide purchasers with the possibility to own things for cheap, flexible payments, even without making a first deposit, using this platform. The BuyNowPayLater service is primarily available in Ondo and Akure. This does not mean that only residents of that region are eligible; if you match their requirements, you are also permitted to make purchases.
However, in order to be eligible for this type of payment, you must be employed and be able to show proof of payment from a bank statement dating back at least six months.
2. EasyBuy
In Nigeria, Easybuy is the most popular site for instalment payments. Customers can use this platform to purchase TECNO and Infinix phones and pay for them later after making a 30% deposit. We’ve already gone over everything there is to know about Easybuy and some of the cellphones they sell.
3. Jumia Flex
Jumia.com has a section called Jumia Flex. These are an online store that allows anyone who meets the criteria to purchase a phone and pay for it later on Jumia, which can take up to six months or more depending on the device. Mobile phones, gadgets, laptops, and a variety of other commodities are among the items available for purchase on Jumia ng.
Meanwhile, JumiaFlex is currently unavailable, but there is another alternative that allows you to purchase any phone or other item and pay later on the Jumia platform, but you must first obtain an FCMB card. This is due to the fact that the payment option is only available to FCMB cardholders.
The mode of payment is chosen at the time of check-out. After selecting your preferred phone or any other item, proceed to checkout and choose the Pay Small with FCMB card option. When you’ve finished choosing an option, you’ll be taken to the JumiaPay online store, where you’ll need to enter your FCMB Credit Card information and complete the order. Following successful completion of the form, the amount of the order will be deducted from your credit card in accordance with FCMB Terms & Conditions.
4. GuddiesPlanet
Gudiesplanet is an online shopping site where you can buy phones and other devices from the comfort of your own home or office and pay later without any hassle. Credmart is used by the GuddiesPlanet. Credmart is a company that let people buy products on credit and pay them off later.
It’s worth noting that the Guddiesplanet is only available to salaried employees.
Eligible Criteria In Eligibility
- You have to come along with a government-issued ID Card
- Bank statement of not less than 6 months
- Your Employment letter or Work ID Card
- And as well as your BVN
5. Spar Nigeria
Spar Nigeria is one of Nigeria’s most popular online businesses, offering a huge catalog of products from which to choose. PayEasy makes the Spar Nigeria purchase a phone and pay later program possible. PayEasy is a platform that allows people to use Spar Nigeria to purchase any of their favorite things and pay later.
6. Likeparadise
Likeparadise is one of Nigeria’s most popular online shopping destinations, specializing in phones and other electronic devices. They provide a few payment options for customers who want to buy any type of phone and pay later.
Individuals with a confirmed source of income, employed individuals, or even self-employed professionals with documentation of sustainable income are eligible for this payment method. The repayment period is set at three months.
7. Spredda
Spredda is a highly regarded online store that allows you to purchase a phone and pay for it later. It is a virtual based website in Nigeria where you can buy mobile phones, home appliances, electronics, generators, laptops, furniture, fashion and beauty products, and sports and fitness products at inexpensive costs. There are two sorts of payment options available on this store: PayQart and Lay-by. Allow me to give you a quick rundown of both payment choices.
- PayQart is a third-party app that allows you to purchase a phone and pay for it later using the PayQart option. If you choose this option, you will be able to take the item with you and will be given a six-month payback period with a small interest charge if payment is not completed within the six months. Alternatively, you can choose to buy a phone now and pay later to receive their purchase now and spread the cost over a six-month period.
- Lay-buy is a no-interest payment strategy that allows you to reserve your phone or products of choice for three to four months with a 20% advance payment. Spredda is one of the greatest options for buying a phone and Pay Later Stores in Nigeria, with excellent customer service.
8. SLOT Nigeria
With over 60 locations spanning 18 states in Nigeria, this is one of the country’s oldest and largest offline dealers of cellphones and various devices. SLOT NG used to sell phones, accessories, gadgets, and other home and office electronics to customers using a single payment method, but now the company offers a wider range of products.
Customers can trade in their old Smartphone for a new one or acquire a new Smartphone and pay every month for a defined period of 3 to 6 months repayment in SLOT NG.
To buy a phone from SLOT NG and pay later, go to any SLOT NG store or branch near you and ask all the questions you need to know about the device(s) you want to buy, the price, payment plans, and other important details.
You will be requested to fill out an application form and submit all essential papers if you are able to meet the appropriate terms and circumstances regarding your financial situation. Within 24 hours of submitting your application, it will be reviewed. If your application is granted, the equipment you want will be delivered to you.
9. 3CHUB
This is one of Nigeria’s largest phone companies, with a stronghold on the offline market. This business has been tried and true across the country. In most parts of the country, they operate as both wholesale and retail businesses. With the help of EasyBuy, the 3CHUB allows you to purchase a phone of your choosing and pay for it later. EasyBuy is a phone financial services company that offers loans to customers who want to buy cellphones via the 3CHub or other retail phones.
10. Pointekonline
Pointekonline is an online technology company that sells phones and other electronic devices. They provide the option of purchasing phones and paying for them later. You can purchase any Smartphone and pay for it over a three-month period.
Credpal powers the Pointekonline Buy a Phone and Pay Later payment plan. Credpal is a digital loan platform that offers individuals rapid loans with the option to pay them back later.
One distinguishing feature of this platform is that it differs from others in that it provides users with credit ATM cards that can be used to make purchases. Every user can get fast credit for purchases both online and offline with these ATM cards.
11. JustFones
This platform is one of the most popular phone firms in Nigeria that allows customers to buy a phone and pay later. They accept payments using CredPal for their services. On their website, you may buy any mobile phone or device without making a deposit.
To be qualified for this JustFones deal, you must meet some of their requirements, which are as follows:
- Provide a 6 months salary or business bank statement of account (in PDF)
- Employment Letter.
- A valid Work ID Card.
- A Government-issued ID Card,(which could be a National ID card, International passport, Voters Card, or Driver’s license).
- A BVN also.
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Source: Nyscinfo