What if you could shop for your favorite items without the pressure of paying in full upfront? Think Credit Direct Checkout, your ultimate shopping companion that makes buying what you need simple, flexible, and smart.
In this blog, we’ll answer some of the most common questions about Credit Direct Checkout and show you why it’s the best Buy Now, Pay Later (BNPL) solution in Nigeria.
Frequently Asked Questions (FAQs)
1. What is Credit Direct Checkout?
Credit Direct Checkout is a Buy Now, Pay Later solution designed to make shopping more convenient. With Checkout, you can access up to ₦1 million in credit, buy what you need, and spread the payments over 1 to 6 months. It’s perfect for everybody shopping in Nigeria.
2. How Does Credit Direct Checkout Work?
- Choose your desired items from a partner merchant (website or social media).
- Select Credit Direct Checkout at payment.
- Upload the required documents and confirm your eligibility.
- Choose a repayment plan that suits you.
- Complete your purchase and enjoy!
3. Who Can Use Credit Direct Checkout?
Anyone in Nigeria can use Checkout! All you need is:
- A bank account with consistent activity.
- A good credit history.
- An active ATM card.
- Your BVN and BVN-linked phone number
- A valid email address
4. 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. Visit www.creditdirect.ng/merchants to see our growing list of merchant stores.
5. How Much Credit Can I Get?
You can access up to ₦1 million in credit! Whether you’re buying a single item or shopping multiple products, Checkout ensures you have the purchasing power you need.
6. What Are the Repayment Terms?
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.
7. 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%.
8. Can a customer with an existing loan with Credit Direct still access BNPL loans?
Yes, you can! All customers are eligible for Credit Direct Checkout, as long as you have a good credit history.
9. 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.
10. 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.
11. 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.
12. Is Checkout available in all states?
Yes, Credit Direct Checkout is accessible across Nigeria, so you can shop wherever you are.
13. How Secure Is Credit Direct Checkout?
Your security is our top priority. Credit Direct uses advanced encryption technology to ensure your personal and financial information is fully protected during every shopping transaction.
14. How Do I Use Credit Direct Checkout with social media merchants?
- Shop your favorite vendor’s page.
- Request a payment link from the merchant.
- Follow the link, upload your documents, and confirm your eligibility.
- Choose a repayment plan, complete the payment, and enjoy your purchase!
15. Why Should I Choose Credit Direct Checkout Over Other BNPL Solutions?
Here’s what makes us unique for your shopping:
- Higher credit limits (up to ₦1 million).
- Flexible repayment plans tailored to your budget.
- Access to a wide network of merchants across Nigeria.
- Instant credit approval and no hidden fees.
- Transparent and user-friendly processes designed for you.
Learn all about Credit Direct Checkout here
Ready to experience Credit Direct Checkout?
Visit www.creditdirect.ng/merchants to start shopping. Make every purchase count with Credit Direct Checkout!
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