Question 1

How much deposit do I need to buy on installment?

Accepted Answer

You pay 25% of the item price on delivery. The remaining 75% (plus any plan interest shown on the product page) is spread across the plan you choose — 4, 8 or 12 weeks.

Question 2

How is interest calculated on installment plans?

Accepted Answer

Interest is set per product and per plan length, and is displayed on the product page before you check out. Many items carry no interest on the shortest plan. Longer plans may include a small interest amount to cover credit risk. The total repayable is always shown up front.

Question 3

What plan durations are available?

Accepted Answer

Installment plans run for 4, 8 or 12 weeks with weekly repayments. Micro-loans run for 24 business days (weekdays only) with a small equal repayment each weekday.

Question 4

How much can I borrow as a micro-loan?

Accepted Answer

Micro-loans range from ₦20,000 to ₦200,000. First-time borrowers may be approved for lower amounts. Completing plans on time unlocks higher limits.

Question 5

What is the interest rate on a micro-loan?

Accepted Answer

Micro-loans carry a flat 20% interest on the amount you request. The exact total repayable and daily amount are shown before you sign the agreement.

Question 6

Who is eligible for credit or micro-loans?

Accepted Answer

You must be 18 or older, live in Nigeria, hold a valid government-issued ID (NIN, driver's licence, voter's card or international passport), have a Nigerian bank account in your own name and be able to provide a proof of address and a next-of-kin contact.

Question 7

What documents do I need to upload?

Accepted Answer

A valid government ID, a recent utility bill or bank statement showing your address, your bank account details, a next-of-kin contact, and a signed copy of our repayment agreement (you can sign it right on the site).

Question 8

How do I make my scheduled repayments?

Accepted Answer

Every installment is listed in your dashboard with the amount and due date. You can pay online via Paystack, via Moniepoint MFB transfer (8056976749), or in person at our Ibadan office. We'll send you reminders as each due date approaches.

Question 9

Can I settle my loan or order early?

Accepted Answer

Yes! You can pay off the remaining balance at any time with zero early settlement penalty. Early settlement closes the plan and immediately updates your credit limit for future loans.

Question 10

What happens if I miss a scheduled payment?

Accepted Answer

We will send friendly reminders before and on the due date. If you foresee a delay, contact our support team. Repeated uncommunicated missed payments may affect your credit limit and trigger collection protocols.

Question 11

Where do you deliver products?

Accepted Answer

We deliver across Ibadan and to major cities in Nigeria. Local Ibadan delivery is handled rapidly after your 25% initial deposit is verified.

Question 12

Is my personal data and financial information secure?

Accepted Answer

Yes. All data transmissions are protected by 256-bit SSL encryption. We partner with licensed institutions (Moniepoint MFB & Paystack) and strictly adhere to NDPR data privacy standards.

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