







How Credit Direct Checkout Works
Find what you love and pay on your terms. With Credit Direct Checkout, you decide how and when to pay every time you shop.
Up to
Naira in credit
trusted merchants
ZERO
paperwork
QUICK
application process
Add Items to Your Cart
Browse your favorite products on merchants' websites or social media pages.
Select Credit Direct Checkout
Choose Credit Direct Checkout at checkout for a smooth, Buy Now, Pay Later experience.
Submit Required Documents
Upload identity, income, and contact details for fast verification and seamless processing of your purchase.
Confirm Eligibility and Loan Limit
Instantly check your eligibility and loan limit after submitting your documents.
Choose a Repayment Plan
Select a repayment plan (1–6 months)
Complete Your Purchase
Finalize your purchase and enjoy your new item(s)!
Add Items to Your Cart
Browse your favorite products from your preferred merchant.
Request Payment Link
For social media purchases, request a Credit Direct Checkout payment link from the merchant to access our smart, buy-now-pay-later solution.
Submit Required Documents
Upload identity, income, and contact details for fast verification and seamless processing of your purchase.
Confirm Eligibility and Loan Limit
Check your eligibility and loan limit instantly after submitting documents to confirm your purchase details.
Choose a Repayment Plan
Pick a repayment plan from 1 to 6 months
Complete Your Purchase
Share payment evidence with the merchant, and enjoy your new item(s)!
Pick Your Preferred Item(s)
Walk into any merchant store and choose your favorite products
Request Credit Direct Checkout Payment Link
Request a Credit Direct Checkout payment link from the merchant to access our smart, buy-now-pay-later solution.
Submit Required Documents
Upload identity, income, and contact details for fast verification and seamless processing of your purchase.
Confirm Eligibility and Loan Limit
Check your eligibility and loan limit instantly after submitting documents to confirm your purchase details.
Choose a Repayment Plan
Pick a repayment plan from 1 to 6 months
Complete Your Purchase
Present payment evidence with sales representative, and get your new item(s)!
Using Credit Direct Checkout at the new SIMS store was seamless. I love how quickly I could buy what I wanted and still manage my budget. Definitely coming back for more!
Shop your favorite brands online or in-store
Explore flexible, secure payment options available with Credit Direct Checkout
Using Credit Direct Checkout at the new SIMS store was seamless. I love how quickly I could buy what I wanted and still manage my budget. Definitely coming back for more!
I’ve always wanted to buy a new phone but didn’t have the funds upfront. With Credit Direct Checkout, I got it instantly and even paid up to 6 times.
I found a particular set of furniture I really loved on Taeillo but couldn’t pay all at once. With Credit Direct Checkout, I split the payment and had it delivered the next day. Thanks, Credit Direct Checkout!
Shop All Kinds of Products
Frequently Asked Questions
How Much Credit Can I Get?
You can access up to ₦1 million in credit! Whether you’re buying a single item or multiple, Credit Direct Checkout ensures you have the purchasing power you need.
What Are the Repayment Terms?
Credit Direct Checkout offers flexible repayment terms which include:
- Start with a down payment of 30% to 80% of the purchase price.
- Spread the balance over 1 to 6 months.
- Enjoy competitive interest rates starting at 7.5%.
Is there paperwork involved?
No. With Credit Direct Checkout, everything is digital. You can apply, verify, and complete your purchase online without dealing with tedious forms or long queues.
What happens if my card goes missing before the end of my loan-repayment period?
If your card is lost, contact Credit Direct’s Customer Service team immediately. We’ll provide you with an account for repayment purposes.
What happens if I want to pay more than 30% down payment?
During registration, you can select a down payment plan that suits you, with options ranging from as low as 30% to as high as 80%.
What Can I Buy With Credit Direct Checkout?
From gadgets and electronics to fashion, household essentials, and more, Credit Direct Checkout works with a variety of merchants to ensure you can shop for virtually anything.
Can I waybill a product if I buy it from a merchant who is not in my location?
Yes, you can! However, logistics arrangements are made directly between you and the merchant, as Credit Direct is not involved in shipping.
Is Credit Direct Checkout available in all states in Nigeria?
Yes, Credit Direct Checkout is accessible across Nigeria, so you can shop wherever you are.


