Lucred

Get up to ₦300,000 in credit and pay back as low as ₦20 daily as interest. Also, get rewarded for using your credit and paying back promptly

With the Lucred app, you can shop stress-free at your favorite stores and pay over time with flexible payment plans—there are no late fees, hidden fees, or surprises—ever.

How does Lucred work? Here's how to start shopping with the flexibility of buying now, pay over time plans.

Download the Lucred app and sign up
Apply for a Credit Limit and provide the required details
Get Approved in 5 minutes
Go to the spend section and find your favorite store, shop and fill your cart
Complete your purchase online or at a physical store by scanning a QR code in-store

With Lucred's buy now, pay later flexibility, you can shop at the stores you love without paying all at once. We'll show you exactly what you're paying from the get-go, and we’ll never charge you with late fees, penalties or hidden costs of any kind. Now is the time to responsibly treat yourself with buy now, pay over time shopping, and the flexibility of split payments.

Why you’ll love shopping on the Lucred app:

• Buy now, pay later at almost any store
• Check your eligibility with no impact on your credit score
• Unlock access to exclusive deals and special rates as low as 0% APR
• Manage your account and make payments easily
• Increase your credit limit and get access to deals and offers when you shop more and make timely repayments
• Pay for your electricity bills, buy airtime and data, renew your cable subscription and many more

Buy now, pay later at almost any store
• Get access to buy now, pay later shopping across hundreds of stores
• A split payment plan should be flexible—that's why we offer plans ranging from 3, 6, 9 months, along with other options
• Buy now and pay over time for almost everything, including apparel, auto, beauty, electronics, and more

Get exclusive deals as low as 0% APR
• Some customers qualify for 0% APR, so you won’t pay interest while making payments over time
• Get deals on apparel, electronics, appliances, auto, and more

Manage your account and make payments
• We're all about making financing simple—so you select your payment plan, and know exactly what you're paying from the start.
• Make payments within the Lucred app—we'll even send you email and text reminders to keep you on track with your payment plan.

Choose a smarter way to pay at your favorite stores—all while staying true to your financially responsible self. Buy now and pay later with a flexible payment plan. It’s that simple—download Lucred and make payments at your own pace today.

Low interest rate between 3% - 5%. Payment options through Lucred are subject to an eligibility check, may not be available in all states, and are provided by our lending partners.