How it works

Sign up, pick a device, Pay.

Anyone can buy in full. Verified students can pay 20% today and the rest over up to 270 days, with no interest.

How do you want to pay?

Create account
Verify
Pick a device
Check out
Repay in-app

For verified students at partner schools.

Step by step

Five steps, all in the app.

Paying in full takes three. Verify as a student to pay over time.

01Create an account
Sign up with your email.
Download the Pody app and confirm your email with the code we send.
That's it. Anyone can sign up and buy a device in full.
Sign-up guide →
02Verify (optional)
Verify to pay in instalments.
Skip this if you're paying in full.
To pay over time, we check your ID and your student details. Reviews usually take one business day.
Verification guide →
03Pick a device
Choose a genuine device.
Laptops, phones and tablets straight from the makers, at market price.
New devices come sealed with the maker's warranty. Pre-owned and refurbished ones show their condition upfront.
Shopping guide →
04Pay with Pody Finance
Choose Pody Finance at checkout.
Pay at least 20% from your wallet today. Spread the rest over 1, 3, 6 or 9 months, paying daily, weekly or monthly.
No interest, no hidden fees, no markup.
Pody Finance guide →
05Repay and grow
Repay in the app.
Keep money in your wallet and each payment is taken on its due date. Pay early any time, with no penalty.
Paying on time raises your credit score and can raise your limit, up to ₦1,000,000. Repayments are reported to credit bureaus.
Repayment guide →

Step 01 of 05

Create an account

Email
Password
Email code

No student details needed.

Swipe to move

Eligibility

Who can pay over time?

Anyone can buy in full. To pay over time, stamp these two onto your pass.

Required

What shapes your limit

Your grades2nd upper

Payments made on time4

Not neededPayslipGuarantorCredit history

Pody pass

Student

Buy in full only

Partner school

ID checked

LimitUp to ₦1,000,000

Stamp both to unlock a limit.

Is your school a partner? →How the credit score works →

At checkout

Four checks, then it's yours.

Your order passes four barriers. Lower one to see what stops it.

Your order

Enough in your wallet for the downpayment

Passing

Within your credit limit

Passing

No other active plan

Passing

ID and student checks approved

Passing

Your order

Enough in your wallet for the downpaymentPassing

Within your credit limitPassing

No other active planPassing

ID and student checks approvedPassing

Tap a barrier to lower it, then send your order.

Start today

Get the device. Own your future.

No salary slip, no guarantor, zero interest - just your academic record.

Download on the App Store Get it on Google Play

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.

Sign up, pick a device, Pay.

Five steps, all in the app.

Sign up with your email.

Verify to pay in instalments.

Choose a genuine device.

Choose Pody Finance at checkout.

Repay in the app.

Who can pay over time?

Four checks, then it's yours.

Get the device. Own your future.