logo
lady

Flexible pay for every purchase

Shop confidently and pay in 4 interest-free installments, in 30 days, or over time.

qr code

Scan to get the

CredPal App

on iOS or Android

Click to download

Shop with confidence

Pay Later

Pay Later

Shop now and split your purchases into 4 interest-free payments.

0% Interest

0% Interest

Built on reliability. No interest. You never have to worry about paying extra

Build Credit

Build Credit

Seamless financial empowerment for your everyday lifestyle

CATEGORIES

Pay in 4 installments across all favourite categories

CredPal Card mobile app

CREDPAL CARD

Everyday spending, flexible payments

Shop confidently with the CredPal Card. Pay in four easy, interest-free installments and enjoy more flexibility with every purchase.

SHOP WITH CREDPAL

Pay Everywhere

One app to find, shop, and pay your way — CredPal connects you to the best brands, flexible payments, and real-time tracking of your favourite products, all in one place.

Shop with CredPal app
Protect Every Purchase app

PROTECT EVERY-PURCHASE

Shop confidently, we've got your back.

Every order, from checkout to delivery is protected on CredPal. We guarantee secure payments and a safe shopping experience every time.

SECURE EVERY TRANSACTION

Your safety, always guaranteed.

We keep an eye on your transactions 24/7 and safeguard your data with advanced security so you can smile with complete peace of mind.

Secure lock

Don't just take
our words for it

5

CredPal is a game-changer! Finally, flexible payment options for everyone, without the usual credit headaches. Truly invaluable!

A
Ayodeji G.
5

CredPal makes shopping effortless! I use it everywhere, daily — for everything from small buys to big purchases. Absolutely love how easy it is!

B
Bayo K.
5

The CredPal app is my go-to for instant credit and flexible payments. It's incredibly versatile for everyday spending and managing my budget. Highly recommend!

H
Halima D.
5

The CredPal credit solution is versatile and makes managing my budget so much easier. I can't imagine shopping without it now!

C
Chidi O.
5

Best financial app I've used! CredPal has transformed how I shop and manage payments. The flexibility is unmatched!

F
Fatima M.
5

CredPal is a game-changer! Finally, flexible payment options for everyone, without the usual credit headaches. Truly invaluable!

A
Ayodeji G.
5

CredPal makes shopping effortless! I use it everywhere, daily — for everything from small buys to big purchases. Absolutely love how easy it is!

B
Bayo K.
5

The CredPal app is my go-to for instant credit and flexible payments. It's incredibly versatile for everyday spending and managing my budget. Highly recommend!

H
Halima D.
5

The CredPal credit solution is versatile and makes managing my budget so much easier. I can't imagine shopping without it now!

C
Chidi O.
5

Best financial app I've used! CredPal has transformed how I shop and manage payments. The flexibility is unmatched!

F
Fatima M.

Download the CredPal App to get started

Why the wait? Join over 350K + users already transforming their payment with CredPal.

QR Code

Frequently asked questions

Here are some our frequently asked questions

Yes, your CredPal account is secured with bank-level encryption and multi-factor authentication to protect your personal and financial information.
Your spending limit may be reviewed based on your repayment history and account activity. Contact support for more information about limit increases.
Your BVN is used to verify your identity and ensure secure account setup in compliance with banking regulations. It helps us protect your account from fraud.
Rewards points can be redeemed for discounts on purchases, cashback, or special offers from partner merchants. Check your rewards dashboard for available options.
CredPal's Buy Now Pay Later offers cashback rewards, early payment discounts, and access to exclusive deals from partner stores when you make timely payments.
You can pay your credit balance through the CredPal app using bank transfer, debit card, or automatic bank deductions. Payments can be made in installments or full.