Why wait? Buy what you need now and pay back in 6 stress-free installments! Shop Now, Pay Later with Credit Direct Checkout Explore Merchants Join 400,000+ Credit Direct Checkout users What a swift service! It does work! Flexible Repayments! Super easy to use Our Know Your Limit feature lets you check your available credit upfront, so you can plan your purchases with ease and certainty. Shop with Confidence, Powered by Credit You Can See Know Your Limit How much credit is available to you?

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

0

Naira in credit

0 +

trusted merchants

ZERO

paperwork

QUICK

application process

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1.

Add Items to Your Cart

Browse your favorite products on merchants' websites or social media pages.

2.

Select Credit Direct Checkout

Choose Credit Direct Checkout at checkout for a smooth, Buy Now, Pay Later experience.

3.

Submit Required Documents

Upload identity, income, and contact details for fast verification and seamless processing of your purchase.

4.

Confirm Eligibility and Loan Limit

Instantly check your eligibility and loan limit after submitting your documents.

5.

Choose a Repayment Plan

Select a repayment plan (1–6 months)

6.

Complete Your Purchase

Finalize your purchase and enjoy your new item(s)!

Edit Content
1.

Add Items to Your Cart

Browse your favorite products from your preferred merchant.

2.

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.

3.

Submit Required Documents

Upload identity, income, and contact details for fast verification and seamless processing of your purchase.

4.

Confirm Eligibility and Loan Limit

Check your eligibility and loan limit instantly after submitting documents to confirm your purchase details.

5.

Choose a Repayment Plan

Pick a repayment plan from 1 to 6 months

6.

Complete Your Purchase

Share payment evidence with the merchant, and enjoy your new item(s)!

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1.

Pick Your Preferred Item(s)

Walk into any merchant store and choose your favorite products

2.

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.

3.

Submit Required Documents

Upload identity, income, and contact details for fast verification and seamless processing of your purchase.

4.

Confirm Eligibility and Loan Limit

Check your eligibility and loan limit instantly after submitting documents to confirm your purchase details.

5.

Choose a Repayment Plan

Pick a repayment plan from 1 to 6 months

6.

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!

Anuoluwa Lagos

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.

Michael Port Harcourt

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!

Aisha Abuja

Discover Your Spending Power With Know Your Limit

Know Your Limit is designed to give you instant clarity on credit available to you - so you can plan your purchases with ease and clarity.

Know Your Limit

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!

Anuoluwa Lagos

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.

Michael Port Harcourrt

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!

Aisha Abuja

Shop All Kinds of Products

Frequently Asked Questions

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.

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%.

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.

If your card is lost, contact Credit Direct’s Customer Service team immediately. We’ll provide you with an account for repayment purposes.

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%.

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.

Yes, you can! However, logistics arrangements are made directly between you and the merchant, as Credit Direct is not involved in shipping.

Yes, Credit Direct Checkout is accessible across Nigeria, so you can shop wherever you are.

Own What You
Need Today

Now you can shop and pay at your pace!

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