Buy now, pay later in Nigeria, built for students.
Pay from 20% today and spread the rest over up to 270 days, daily, weekly or monthly. 0% interest, no payslip, no guarantor.
Device price
Typical BNPL plan
Pody
0% interest · or pay daily or weekly
How to start
Four steps in the app.
Every step in detail is in how Pody works and the Pody Finance guide.
- 1
Get the app
Download Pody on iOS or Android and sign up with your email.
- 2
Verify
Check your ID and student status. Reviews usually take one business day.
- 3
Pick a device
A laptop, phone or tablet from brands you know, delivered in Nigeria.
- 4
Choose Pody Finance
Pay at least 20% at checkout, then spread the rest daily, weekly or monthly.
What you need
Qualify with your studies, not your salary.
Instalments are for students at a partner institution. Your limit, up to ₦1,000,000, follows your Pody Credit Score.
What you need
- A government-issued ID, a short liveness check and your address
- Your student details: institution, course, matric number and student ID card
- Money in your Pody wallet for each instalment, topped up by bank transfer or Flutterwave
Verification usually takes one business day.
What you don't
- A payslip or proof of income
- A guarantor
- A credit history
What you can buy
Laptops, phones and tablets, delivered in Nigeria.
Every device comes from the brand or its official sellers, at the normal shop price, and is delivered within Nigeria. Want to see how small each payment gets? Pay small small.
- Apple
- Samsung
- Dell
- HP
- Lenovo
- Asus
- Microsoft
- Zinox
- Tecno
- itel
- Infinix
Is it right for you?
Who it's for, and who it isn't.
Pody fits if
- You're a student at one of our partner institutions
- You want a laptop, phone or tablet delivered in Nigeria
- You'd rather spread the cost than wait months to save up
Look elsewhere if
- You're not a student: you can still sign up and buy outright, without instalments
- You're shopping for appliances, fashion or travel: we only sell devices and their accessories
- You need delivery outside Nigeria: we only deliver within Nigeria for now
How do I qualify for buy now, pay later?
With Pody, be a student at a partner institution, then verify your ID and your student status in the app. There's no payslip, guarantor or credit history check. Your limit, up to ₦1,000,000, follows your Pody Credit Score.
Which apps can I buy now and pay later with in Nigeria?
Several providers offer it. Pody is the one built for students: 0% interest, from 20% upfront, and up to 270 days to pay, daily, weekly or monthly.
Which card allows you to buy now and pay later?
With Pody you don't pay instalments by card. Each one is taken from your Pody wallet on its due date, and you top the wallet up by bank transfer to your own Pody account number or with Flutterwave in the app.
Can I buy a phone on Jumia and pay later with Pody?
Pody Finance works inside the Pody app: you pick your device there and pay in instalments at checkout. For Jumia's own pay-later options, check Jumia.
Is there any interest?
No. 0% interest, no hidden fees and no markup: you pay the device's market price, split across your plan. A late instalment may carry a late payment fee, as set out in our terms.
Start today
Get the device. Own your future.
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.