Can you buy on Jumia and pay later? How it works in 2026, and the alternatives
Yes, through Jumia's partners, product by product. What Jumia, Konga and the phone shops publish about instalments, what each asks for, and which fits you.
"Can I buy on Jumia and pay later?" is one of the most searched shopping questions in Nigeria, and the answer is yes, with a catch: Jumia does not lend you the money itself. It plugs in partners, and whether you can pay in instalments depends on the product and the partner behind it.
This article sets out what Jumia publishes about paying later, who its partners are, how the same thing works at Konga and at the big phone shops, what each of them asks for, and which option fits which buyer. Every fact comes from the company's own pages, read on 19 October 2026.
What Jumia itself says
Jumia's electronics page answers the question in one line: "Yes, we offer flexible payment options, including pay-on-delivery and installment plans through our partners. Check the product page for available financing options" (Jumia, 2026). That last sentence is the whole method. There is no single pay-later page or list of eligible items. You open the product, and if a financing option is offered, it appears there.
The partners were announced in May 2024: Jumia Nigeria added Easybuy and CredPal so that customers could "spread their payments over a set period of time" (Jumia Group, 2024). The press release states no deposit and no number of months. For that, you go to the partner.
The partners' terms
Easybuy's app listing describes phone instalments "with options 3/4/5/6/9/12 month available, with a down payment as low as 30%", and "no paperwork, no collateral" (Easybuy, 2026). Phones, not laptops. CredPal's current terms could not be opened on its own site when we checked, so we do not state them; verify on the product page before you count on it.
Konga, the other marketplace
Konga added buy now, pay later in June 2026 through Klump. Its own guide describes the first payment as "typically 20% to 30% upfront", then monthly instalments, with Klump selected among the payment options at checkout. You "provide banking and ID details for a quick and secure credit eligibility check", and you can pick other lenders if you don't bank with the first (Konga, 2026). Klump's own site puts the deposit at 25% and the plan at 12 months, with ID, BVN, an income classification and a recent bill or bank statement required (Klump, 2026a; Klump, 2026b).
SLOT and the phone shops
If you would rather hold the device before you sign, the shops are the other route. SLOT's plan runs 3 or 6 months: pick the device, pay the deposit, complete verification, and leave with it (SLOT, 2026). The credit behind it is Credit Direct Checkout, which publishes a deposit of 30% to 80%, 1 to 6 months and limits up to ₦1,000,000, and checks BVN, phone number, credit report and bank statement with your consent (Credit Direct, 2026).
What each one asks for
| Route | Deposit | Length | What they say they check |
|---|---|---|---|
| Jumia, via Easybuy | From 30% | 3 to 12 months | "No paperwork"; phones only |
| Konga, via Klump | 20% to 30% (Konga); 25% (Klump) | Up to 12 months | ID, BVN, income classification, a recent bill or bank statement |
| SLOT, via Credit Direct | 30% to 80% | 1 to 6 months | BVN, phone number, credit report, bank statement, with consent |
| CDcare | Not published | 4 to 40 weeks or 2 to 12 months | NIN or BVN, a face photo, address, debit card and bank account; device at the midpoint |
| Pody | From 20% | 1, 3, 6 or 9 months, up to 270 days | Government ID, liveness, address, student status; no payslip, guarantor or credit history |
The pattern is the same everywhere: identity, a bank mandate, and some evidence you can pay. Where the routes differ is what counts as evidence. For the marketplaces and the shops it is income and, in Credit Direct's case, a credit report. For the student-only options it is your enrolment.
Which route fits you
- You want the widest choice of products. Jumia and Konga sell far more than devices, and Klump's 12 months is the longest plan here.
- You want to hold it before you sign. SLOT, in the shop, 3 or 6 months.
- You have a salary and a credit file. Any of them. Credit Direct's published limit of ₦1,000,000 is the highest on the list.
- You are a student with no payslip and no file. The marketplaces will mostly ask for what you do not have. A student-only option looks at your studies instead.
How Pody approaches it
Pody is not a Jumia partner. It is its own shop, in its own app, for students.
- Laptops, phones and tablets from the makers and their authorised distributors, sealed with the full warranty. The brands are the ones on our homepage: Apple, Samsung, Dell, HP, Lenovo, Asus and more.
- From 20% today, the rest over up to 270 days, at 0% interest, with no hidden fees and no markup. A late payment fee may apply if you miss a date. See how it works.
- For students at partner institutions. Verify your ID and your student status, and Pody Finance appears at checkout. No payslip, no guarantor, no credit history. See the credit model.
- Anyone can buy outright, with or without verification.
So, can you buy on Jumia and pay later? Yes, if the product page offers it and the partner approves you. Whether you should depends on what they ask for, and on what the total comes to once the plan is written down.
If you are a student comparing the options, see where to buy and pay small small with Pody.
Sources
- CDcare. (2026). Help and support. Checked 19 October 2026. Visit the page
- Credit Direct. (2026). Help centre: Credit Direct Checkout. Credit Direct Finance Company. Checked 19 October 2026. Visit the page
- Easybuy. (2026, September 28). Easybuy [app listing]. Google Play. Visit the listing
- Jumia. (2026). Buy quality electronics at affordable prices online. Jumia Nigeria. Checked 19 October 2026. Visit the page
- Jumia Group. (2024, May 21). Jumia Nigeria launches two new buy now, pay later partnerships with Easybuy and CredPal. Read the release
- Klump. (2026a). How it works. Klump Technology Company. Checked 19 October 2026. Visit the page
- Klump. (2026b). Terms of service (customer). Klump Technology Company. Checked 19 October 2026. Visit the page
- Konga. (2026, June 29). Konga x Klump: Buy now pay later on Konga. Konga Kulture. Read the guide
- SLOT. (2026). Buy now, pay later. SLOT Systems. Checked 19 October 2026. Visit the page