Buy phone and pay later

Best Websites or Online Stores to Buy Phones and Pay Later In Nigeria

This article is meant for people who are willing to buy a phone but do not have the available capital to purchase at the moment. Are you looking for a website or any online store in which you can buy a phone and pay later without any stress? If yes then you are in the right place.

If you are a Nigerian and have the required documents to buy a phone and are willing to pay back later, you might wish to check out some of the best online stores in Nigeria where you can buy a phone and Pay Later.

In this article, we were able to bring out some of the best websites on which you can make a purchase of a phone and pay later. These are online stores that allow you to obtain an item and give you the forum to pay it back in part payment.

This has been the current development in Nigeria for some time now. It is a financial solution that enables people to buy phones or any variety of electronics and will be able to pay for them later. At times you can wish to pay for them at a low price and will come to get them after you have made a complete payment. Buy a phone and Pay Later is just like taking a loan without any interest rates. Nowadays there have been a lot of websites or online stores that offer to buy phones and pay later in Nigeria.

Requirements to Buy Phones and Pay Later In Nigeria

As a Nigerian in order to buy a phone and pay later, you need to have some required documents that will enable you to be qualified. Here are some documents that are required before you can apply to buy a phone and pay later across any stores or platforms in Nigeria.

  1. You must present your 6 months bank statement.
  2. Your Bank Identification Number (BVN) is also required.
  3. You must provide your Employment letter or Work ID CARD.
  4. You will also need to present A valid Government Issued ID CARD (either Driver’s license, National Identity Card, Voters Card, or Nigeria passport)
  5. You Must be age from 22 and above
  6. You must be a working-class or business person of not less than a year in the business.

Best Platforms To Buy Phones And Pay Later In Nigeria

1. BuyNowPayLater

In this platform, they offer the buyers the opportunity to own products for low flexible payments even without a first deposit. The BuyNowPaylater operates basically in Ondo State as well as in Akure. This doesn’t mean that it is only the people living in that region that qualified, if you are able to meet their criteria you are also allowed to make purchases as well.

However, in order to qualify for this method of payment, you will have to be in paid employment and be able to present your evidence of payment from your bank statement of not less than 6 months.

2. EasyBuy

Easybuy is the most popular platform that offers instalment payment in Nigeria. This platform gives customers the opportunity to buy TECNO and Infinix phones and pay later after an initial deposit of 30%. We have already covered everything you need to know about Easybuy and some of the smartphones you can buy from them.

3. Jumia Flex

The Jumia Flex is a sub-division of These are an online store that allows any person that is eligible to buy a phone and pay later on Jumia which can be up to six months or more depending on the product. The items that can be purchased on the platform include mobile phones, electronics, computers, and a host of other goods on Jumia ng.

Meanwhile, presently the JumiaFlex is not available but there is another option that you can use to buy any phone or other item and pay later on the Jumia platform, but before then you are required to have an FCMB card. This is because the payment option is only available to the FCMB card users only.

The payment method is done at the point of check-out. After choosing your desired phone or any item of your choice, you should check out and select the Pay Small with FCMB card option. When you finish selecting the option, you will be directed to the JumiaPay online store where you will be required to fill in the details of your FCMB Credit Card correctly and complete the order. After filling the form successfully, the amount of the order would be debited from your credit card according to FCMB Terms & Conditions.

4. GuddiesPlanet

The Gudiesplanet is an online shopping store where you can buy phones and other electronics from the comfort of your home/ office and pay later without any stress and with more convenience. The GuddiesPlanet makes use of Credmart. This Credmart is a company that assists individuals to buy things on credit and pay later.

It is important to take note that the Guddiesplanet is only available to salary earners alone.

Eligible Criteria in order to qualify

  1. You have to come along with a government-issued ID Card
  2. Bank statement of not less than 6 months
  3. Your Employment letter or Work ID Card
  4. And as well as your BVN

5. Spar Nigeria

Spar Nigeria is one of the top online stores in Nigeria with large records from which you can shop for anything online. The Spar Nigeria buy a phone and pay later platform is made possible through PayEasy. PayEasy is a platform that allows its customers to buy any of their favourite products using Spar Nigeria and pay later.

6. Likeparadise

Likeparadise is among the top online shopping store in Nigeria mainly for Phones and other electronic gadgets. They provide little payment methods to those that want any type of phone and pay later.

This payment method is only available to only individuals with a confirmable source of income, employed individuals, or even self-employed professionals with the evidence of sustainable income. The specified time of Repayment is within 3 months.

7. Spredda

Spredda is a top recommended online store that offers you a payment method in which you can buy a phone and Pay Later.  it is a virtual based website in Nigeria where you can buy mobile phones, home appliances, electronics, generators, computers, furniture, fashion and beauty products, and sports and fitness products at affordable prices, and on this store, their methods of payment are of two types, they are as follows, PayQart and Lay-by. Let me give you a brief explanation of both payment options.

  1. The PayQart is a third-party application that enables you to buy a phone and pay later using the PayQart option. When using this option you will be allowed to take the item with you and you will be given a six-month payback tenure and a little interest might be added if payment isn’t completed within the six months opt for the option of buying a phone and pay later to receive their purchase now and extend the cost over a period of 6 months.
  2. The Lay-buy  is a free payment method that doesn’t attract any interest, it and it allows you to reserve your phone or products of choice for a period of three to four months with an advanced payment of 20%.  The Spredda is one of the best options to buy a phone and Pay Later Stores in Nigeria and they also have a good customer relationship.

8. SLOT Nigeria

This is among the oldest and biggest offline vendors of smartphones and different variety of gadgets in Nigeria with more than 60 stores across 18 states in Nigeria. SLOT NG formerly sold phones, accessories, gadgets, and other home with office electronics to customers on a unique payment method only the company now offers more flexible gadgets.

In SLOT NG Customers are opportune to trade in their old Smartphone for a new one as well as purchase a new Smartphone and pay every month for over a specified period of 3 to 6 months repayment.

In order to purchase a phone from SLOT NG and pay later, you are to visit any SLOT NG store or branch that is close to you to make all the necessary inquiries concerning the device(s) you are willing to purchase, the price, payment plans, and other vital information that you need to know. If you are able to meet the required terms and conditions concerning your financial status, that is when you will be asked to fill out an application form and will submit all the necessary documents. Your application will be processed within 24 hours of applying. If the application is being approved, the device which you are willing to purchase will be handed to you.

9. 3CHUB

This is one of the large phone companies in Nigeria with the most important control in the offline space.  This company is tested and trusted nationwide. They are both wholesale and retail companies in most parts of the country. The 3CHUB operates with the help of EasyBuy, you can buy a phone of your choice at 3CHub and pay later. 

The EasyBuy is a phone financial Service Company that provides loans to users in order to buy smartphones of their choice using the 3CHub and other retail phones.

10. Pointekonline

Pointekonline is an online Tech company that advertises phones and gives out other tech gadgets for sale. They offer to buy phones and pay later payment options. You can buy any Smartphone of your choice and pay later over a period of 3 months.

The Pointekonline Buy a phone and Pay later payment plan is powered by Credpal. Credpal is a digital loan platform that provides quick loans to users and able to allows them to pay later.

One important thing about this platform is that it does things differently from other platforms as they provide its users with Credit ATM cards that can be used to make purchases. These ATM cards allow every user to access instant credit for purchases both online and offline.

11. JustFones

This platform is one of the top phone companies that offer the option of buying a phone and paying later in Nigeria. They use the CredPal method of payment to offer their service. You can make purchases of any mobile phone, or gadget on their website without any deposit.

In order to be eligible for this offer with JustFones, you have to meet some of their criteria which are as follows:

  1. Provide a 6 months salary or business bank statement of account (in PDF)
  2. Employment Letter.
  3. A valid Work ID Card.
  4. A Government-issued ID Card,(which could be a National ID card, International passport, Voters Card, or Driver’s license).
  5. A BVN also.

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