Can’t Afford a Phone Or Laptop? These Nigerian Apps Let You Buy Now, Pay Later

The right set of tools makes all the difference in Nigeria’s increasingly intense tech space. But for many young professionals and up-and-coming techies, possessing a decent smartphone or laptop remains completely unaffordable on an upfront basis. This is where  Buy Now, Pay Later programs have been silently revolutionizing access to digital devices.

These platforms give Nigerians the ability to buy gadgets on credit and pay for them in installments over time, offering flexibility in a country where the cost of living continues to rise and traditional bank loans are often hard to access.

The Rise of Buy Now, Pay Later in Nigeria

BNPL is not new to the rest of the world, but in Nigeria, it is fast becoming a popular alternative to traditional credit. Quite simply, consumers can buy a product now and pay their balance off in weekly or monthly instalments. For many Nigerians, this model bridges affordability and aspiration, especially when it involves tech devices.

Some of the recognizable names in the market have been EazyBuy, CDCare and PayQart which have provided flexibility in the payment of gadgets, home electronics as well as work tools. Such a design is especially appealing to freelancers, content creators, and tech students that require devices to be productive but cannot afford the entire price initially.

EazyBuy: Smartphones on Flexible Terms

EazyBuy has built a strong presence by aiding users in owning smartphones with low upfront payments. The buyers can pay small deposits, usually 30% of the total cost, and complete the remaining balance in three to six months. The platform has partnered with top smartphone brands and authorized resellers that assure quality devices and genuine warranties.

EazyBuy presents an accessible route to those tech-savvy Nigerians who might want to upgrade to a new model without straining their pocket.

An EazyBuy consumer whom we interacted with, shared his experience. He admitted to the flexibility of the payment method, saying, “I’ve heard stories about these platforms not giving anyone who patronises them rest until they paid, no, that wasn’t the case for me” Daniel who purchased a Redmi 14C at one of the Mokola store, Ibadan. He said he got reminders a few days before his monthly installments was due, and that this helped him in allocating his money, as he truly wanted to keep his pact to the agreement. “I wasn’t harassed,” he said. 

Please visit EazyBuy’s website for more information on eligible devices and repayment plans. EazyBuy currently covers more than 2,000 stores in Nigeria.

CDCare: Pay Later for Laptops and More

CDCare, the “pay small ,small app,” was founded on the idea of “owning made easy”, allowing customers to pay for gadgets, furniture, and appliances in instalments. Unlike EazyBuy that delivers the product upfront, CDCare delivers the product only after the customer has completed part of the payments, a system that reduces default risk while promoting responsible spending.

The mobile app allows users to set automatic weekly or monthly payments, while a transparent dashboard offers visibility into one’s progress. For a tech student looking to own a laptop, or a remote worker saving towards it, CDCare provides a trusted route to ownership with no traditional credit checks.

Also Read: Affordable Co-Working Spaces in Lagos Island

PayQart & Carbon Zero: Where Fintech Meets Consumer Credit

PayQart offers BNPL options to a wide range of online and offline merchants, making it easier for Nigerians to split payments across many stores. Customers can buy laptops, smartphones, or even home gadgets and repay over four to six months.

Meanwhile, Carbon Zero, by the digital finance company Carbon, grants interest-free instalments to qualified users especially for high-end technology products, making it one of the most appealing buy-now-pay-later options for young professionals who desire premium devices without hefty interest rates.

Empowering Aspiring Techies and Creators

For many young Nigerians, especially those building careers in programming, design, or digital marketing, access to a capable laptop or smartphone is simply non-negotiable. BNPL platforms are therefore much more than just credit tools; they’re opportunity enablers.

Image Source: Gigbanc (GigConnect 2025)

The model enables the young professionals to invest in productivity tools at an early stage that will bridge the digital divide to compete across the globe. This trend is in line with the general fintech transformation in Nigeria, where technology is also leading to inclusivity not limited to traditional finance systems.

Related Story: WiFi, Woes, and Wallets: The Nigerian Techie in a Broken Economy

What to Watch Out For

Although there are advantages of credit building, BNPL services have conditions. Users are advised to read and comprehend the specific repayment plans, late payment imposition and interest rates where necessary.

Financial analysts recommend consumers to borrow wisely and make sure that the plans have instalments that are within their income level and not to have several running instalments.

A Smarter Path to Digital Inclusion

With Nigeria’s digital economy growing, BNPL platforms are emerging as key players in making tech accessible. For those who dream of having a career in tech or content creation, these services could be the bridge between ambition and reality. In a country where affordability often limits opportunity, buy now, pay later might just be the smartest way for Nigerians to step confidently into the future-one instalment at a time.