Buy Now, Pay Later (BNPL)
Get household electronics, refrigerators, TVs, and solar generators delivered with just 25% down.
Pick an Item
Browse our verified marketplace catalog. View the exact cash price, required 25% deposit, and weekly repayment schedule.
Select Duration
Choose 4, 8, or 12 weekly installments. The weekly breakdown and total repayable update in real time with zero ambiguity.
Pay 25% Deposit
Complete your initial deposit via Paystack or direct Moniepoint bank transfer. Your order is confirmed and scheduled for delivery.
Pay Weekly
Make your scheduled weekly payment via your dashboard using online or offline transfer methods until fully paid off.
Installment Financing Options
Standard options available across our catalog
| Plan Tier | Duration | Initial Down Payment | Repayment Cadence | Best For |
|---|---|---|---|---|
| Short Sprint | 4 Weeks (1 Month) | 25% | Weekly | Quick clearance with lowest markup |
| Standard Flex | 8 Weeks (2 Months) | 25% | Weekly | Most popular balance of flexibility & speed |
| Extended Cushion | 12 Weeks (3 Months) | 25% | Weekly | Lowest weekly commitment for bigger purchases |
Transparent Micro-Loans
Direct bank disbursement from ₦20,000 to ₦200,000 with a predictable 24-weekday repayment rhythm.
Apply & Verify
Submit your Nigerian bank account, valid ID, and guarantor contact in under 5 minutes on our secure portal.
Instant Schedule
Review your exact 24-weekday schedule with a flat 20% interest rate. No hidden admin fees or surprise charges.
Disbursement
Upon approval, funds are transferred straight to your bank account within 24 working hours.
Weekday Repayments
Repay small weekday installments. Saturdays and Sundays are free. Early settlements are penalty-free!
Principal Range
₦20k – ₦200k
Available to verified borrowers
Interest Rate
20% Flat
Fixed for entire 24 working days
Tenure & Cadence
24 Weekdays
Monday to Friday (no weekends)
Early Settlement
0% Penalty
Pay off any time to save interest
Who Is Eligible?
We maintain high approval rates while practicing responsible fintech lending.
Age & Residency
Must be at least 18 years old and currently resident in Nigeria (Ibadan prioritized for speedy local delivery).
Government Identity
Valid Nigerian identification: National Identity Number (NIN), Driver's License, Voter's Card, or Passport.
Bank Account in Your Name
An active commercial or microfinance bank account matching your legal name for disbursement and verification.
Verifiable Address
Residential address with a recent utility bill or bank statement for physical order fulfillment.
Income or Business
A steady source of income, salary, or trade revenue capable of supporting regular weekday/weekly payments.
Guarantor Reference
One reliable guarantor contact (family member, business colleague, or associate) for micro-loan applications.
Ready to Get Started?
Join thousands of smart customers in Nigeria who use RTK Global for transparent financing and flexible installment shopping.