Where To Buy Smartphones In Nigeria And Pay Later In 2021 (A Step By Step Guide)

I have been thinking about where to buy smartphones in Nigeria and pay later 2020, so I carried out some research, and here are the answers I got.

You can buy smartphones in Nigeria and pay later on Jumia flex, Easy buy, Slot and on Spar. These stores offer you the dynamic option of making a down payment of %20 of the total cost of the phone you wish to buy, and pay the rest with ease in a period of 3 to 6 months.

Sounds interesting right? Let’s look at these stores in details and see how you can buy smartphones from them and pay on monthly installments.

The possibility of buying smartphones in Nigeria and paying later wasn’t there in the minds of many Nigerians some years back.

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Like, “how could you possibly buy a phone from a dealer who doesn’t know you and just walk away without paying, huh? ” That’s no way possible!

That may have been the case in the recent past, but today, technology is evolving and things are getting better by the day.

In this article, I will attempt to answer the most frequent question that our team of experts often receive, which is, where do I buy phones in Nigeria and pay later?

chart of buy phone pay later in nigeria

If you have ever asked yourself this question or other related questions, then this article is for you.

The value of naira is constantly going down, which means that the peoples purchasing power is going down regularly too. But phones must be used irrespective of all these right?

The best option that is opened to many Nigerians now is the option to buy phones on credit and pay monthly. And luckily, there are many stores where you can buy smartphones and pay later in Nigeria. Let me show you where.

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Where To Buy Smartphones In Nigeria And Pay Later

There are a couple of places where you can easily buy phones in Nigeria and pay later. Let’s look at the best ones.

Spar Nigeria

spar homepage for buy now pay later

Spar is one of the leading stores in Nigeria that serves their customers both online and offline with a variety of products to chose from, including phones and laptops, which are their most popular product categories.

What most people don’t know is that Spar is among the leading places where you can buy any smartphone in Nigeria and pay later.

How To Buy Phones On Credit From Spar And Pay Later

To buy your favourite smartphone on credit from Spar and pay later on instalment, you should quickly head over to any Spar branch near you, request for your desired phone and ask if the phone is available on their Easy pay services.

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If it is available, you will be given a form to fill. There are certain requirements that you need to meet before you can buy a phone on credit and pay later on Spar:

Eligibility Criteria

To qualify for Spar buy now and pay later feature, you should meet the following criteria:

  • You must be at least 22 years of age, with an active employment status of at least 1 year.
  • Have a Nigerian bank account where you receive your salary monthly.

Basic Requirements

  • Your BVN number
  • Your bank statement of account, from the last 6 months which clearly shows your financial transactions within this period in view.
  • And lastly your letter of employment from your company

Once you have these ready, then you can easily submit them with the filled Easy-pay form. Within 3 working days, a decision will be made on the status of your application.

With the easy buy phones that will be made available to you, you can decide the smartphone to buy and pay monthly installments.

Jumia Flex

jumia homepage for buy now pay later

Many Nigerians knows too well that Jumia is one of the biggest e-commerce website where you can instantly pay for products  or pay once the product has been delivered right to your door step.

What many don’t know is that there is a unique service on Jumia called Jumia Flex, which allows you to buy phones on credit and pay on instalment. That sounds crazy right? This feature is called jumia buy now pay later

Below is how to buy any smartphone on jumia and pay on monthly instalment.

How To Buy Any Phone On Jumia And Pay Later

To buy any phone on credit and pay later on Jumia, you should follow the steps below:

  • Quickly head over to Jumiaflex or click on this link to visit the site.
  • Once you are on the site, locate the phone that you want to buy on credit and pay later.
  • Click on the phone and fill the application form that pops up. Once you have done this, jumia will process your application, and if successful, a notification will be sent to you confirming the success of your application.
  • On the notification, you will be required to pay a %20 advance of the total cost of the phone using any payment method of your choice. Once the initial payment is done, or order will arrive within days, depending on your location.

Basic Requirements For Jumia Buy Now Pay Later

For you to successfully complete the application form, you will need to present the following documents:

  • BVN or your bank verification number
  • Your statement of account, which shows your last 6 months transaction
  • Employment status, including the name of the company you work with
  • And lastly a valid means of identification like National ID cards, Voters card, drivers licence and other related documents.

Once done, the remaining balance will be regularly deducted from your bank account on monthly instalments across a period between 3 and 6 months.

Note that this service has only one limitation, and that is the fact that its only available for people who reside in Lagos for now. With time, it can extend to the rest of Nigeria.

Slot Nigeria

slot homepage for buy now pay later

Slot is actually one of the best e-commerce websites in Nigeria, which can only be compared to Jumia and konga in terms of access to varieties of products as well as service delivery.

Slot buy now pay later offers you the flexible payment option of either paying for your favourite phones in cash, or buying them on installment plans, which ever suits your present realities.

How To Buy Phones On Slot And Pay Later

To buy that your dream smartphone on Slot and pay monthly without giving out all that you have in your bank account, head over to any slot shop closest to you, it doesn’t matter the location.

Ask any of the Slot sales representatives about the phone that you want to buy on credit and pay later, including the payment plans available for that particular phone.

Better still, you can still use this link to get the phone number of Slot agents closest to you, call them up directly and inquire about the status of the phone you intend to buy.

This information will be made available to you, including all the required document you will need to bring alone if you want to proceed with the deal.

If you are OK with the agreement, you will be issued a form to fill and submit, along with the required documents. That’s all. If your application is successful, you will be contacted by Slot for the pickup, while you gradually pay the remaining balance on instalment.

Other places To Buy Any SmartPhones And Pay Monthly In Nigeria

  1. Slot Nigeria
  2. Konga Nigeria
  3. Yudala Nigeria
  4. Parktelonline
  5. Pointek Nigeria
  6. Demitech

So you see? You can actually buy any smartphone in Nigeria and pay on installment, in a period of 3 and 6 months.

In the list above, we recommend going for Konga buy now pay later and Yudala buy now pay later. Others can be seen as backup plans.

However, while there are few buy now pay later phones in Nigerian ecommerce stores, you certainly will find the right phone that matches your needs in these stores.

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Eze Elekwachi

Hi, Eze Elekwachi holds an M.Sc. in Public Administration and a PhD in view. He is the brainchild behind Cyriltips.com. People see him as a programmer, web developer, content developer and a seasoned e-marketer probably because he's good at what he does...

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