Get the device you need at market price. Spread the cost in easy, interest-free instalments.
Credit Score
650Good
0% Interest
LIMIT
₦1,000,000
Access up to ₦1m to spend in-app on devices.
ELIGIBILITY
STUDENTS
Eligibility is based on your academics and reputation.
INTEREST RATE
0%
Zero interest BNPL at market price. No hidden fees, no markup.
TENURE
270 DAYS
Spread your repayments for up to 270 days.
Simple by design
Step 01
Sign up in seconds and complete your KYC to unlock your credit limit.
Step 02
Pick your device from our catalogue and add to cart
Step 03
Pay outrightly or split your purchase into manageable instalments.
Who qualifies
At Pody, we take your grades seriously and consider them as part of your assessment. Your academic performance may influence the credit available to you. Why Pody looks at your studies
90%
Considered
100%
Required
70%
Key Factor
0%
PODY.
Student ID
CGPA
4.10 /5.00Unlocked limit
₦150kPODY.
Valid while enrolled
Scan to get Pody
What we checked
Limit
₦150kYour grades
We look at what you've already proven. Your academic standing drives your Pody Credit Score, together with how you repay. Slide to your CGPA.
Second Class Lower
Your record counts. So does every payment you make on time.
The gap is real
of Nigerian students report that access to a personal device will significantly improve their academic performance.
~1.9M
Students enrolled in
tertiary institutions
2 in 5
Students lack access
to a personal device
What you can buy
Professional-grade hardware curated specifically for the modern student.
MacBooks, Windows ultrabooks, Chromebooks, and desktops from globally recognized brands at market price.
iPhones, Android flagships, iPads, and Android tablets from globally recognized brands at market price.
Genuine devices · Verified sources · Condition stated upfront
Brands we sell
Financing made simple
01Unlock your limit
Sign up, verify your student status, and get credit limit up to ₦1,000,000
Your credit limit
Locked
Example plan. You choose 1, 3, 6 or 9 months at checkout.
Pay over time
Pay 20% today and spread the rest over 1, 3, 6 or 9 months, with 0% interest.
Yes. Anyone can setup an account, browse the catalogue, and buy any device outright at market price.
Any enrolled student at a recognised institution with a partnership with Pody.
Up to ₦1,000,000 depending on your academic standing and credibility on the Pody platform.
We don’t charge interest, You pay the market price of the device, split across your instalments. No hidden fees, no markup.
We will notify you and work with you to find a solution. However, consistent missed payments may affect your future access to the platform.
You can use Pody to get essential learning and productivity devices such as laptops, smartphones, tablets, and accessories that support your studies.
Yes. You can request a return within the return window stated in your order terms if the device is defective, damaged on arrival, or not what you ordered.
Yes. That is what Pody BNPL is for. Pay part of the price upfront, then spread the rest into daily, weekly or monthly instalments that you choose at checkout.
You can pay as low as 20% upfront. The remaining balance is then spread over manageable instalments.
Start today
No salary slip, no guarantor, zero interest - just your academic record.
Pody Network Limited is not a bank. BNPL approval is subject to our due diligence and approval process. Device availability is also subject to stock levels and may vary by time and location.
