Buy Now Pay Later

Buy Now Pay Later (Product Financing)

Buy Now Pay Later

With Buytins you can pay for products using credit facilities through our third party payment partners like Credpal, Carbon, Klump, Payfi.

This mode of payment is only available to our registered client at checkout with low interest rate, spreading the cost into more manageable monthly payments.

Whether you are a salary earner or registered business owner, you can now buy your favorite product from your favorite brand with the help from credit partners offering Buy Now Pay Later (BNPL).


We have partnership with the following credit finance company – Please choose a credit partner that is suitable for your Product financing.

It's easy to buy now pay later, choose from the options below.



Our product financing program is supported by Payfi, one of our credit partners. 

Through Payfi, you can purchase items on Buytins and pay for them later. 

Once you make the initial deposit payment of 25%, we’ll deliver the product(s) to you within 1-5 days. 

The remaining balance can then be paid off in 3-6 installments over a period of 3-6 months. 

This Buy Now Pay Later (BNPL) service is available to salary earners who earn a minimum of 70,000 Naira and NYSC Corpers who are currently serving.


  1. Download Payfi on

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  2. Then Sign Up and create your account.
  3. After successful registration, and linking of account, and verification. You’ll be assigned your eligibility limit.
  4. Send the product name you want to buy to our WhatsApp number – 08062369822, to get started.
  5. Search or look for Buytins on the  Payfi App, click on our store logo  and you will be redirect to our website to start shopping,
  6. Add your product(s) to checkout and choose ”Pay with Payfi” as your payment method at the checkout.
  7. Click on Pay Now button on the order page, Choose either Account Number or phone number (the phone number you used to create your account on Payfi) on the pop box , then click on continue to complete the process.
  8. Spread payment across 2 to 6 months with a low interest rate of 1 to 5%.



CredPal is a credit partner that offers product financing for periods of 2 to 4 months. When you sign up with CredPal, you will receive access to a credit card and shopping limit that can be used to make purchases from us and pay at a later date. Your repayment plan will be for 2 to 4 months at an interest rate of 4% to 6% per month.


To get your credit request approved, it is important that you have the details and price of the item you wish to purchase before applying. For a smoother approval process, you should also be a salary earner earning at least 80,000 Naira. To complete your verification, you will need to provide the following documents:

Salary Earners:

  1. 4 to 6 months of your salary bank statement
  2. Work ID card or employment letter
  3. Government ID card (international passport, driver’s license, voter’s card, or NIN slip)
  4. Additionally, you will need to have a BVN and phone number associated with your account to complete your verification.

To start using CredPal:

  1. Click to download Credpal Android App 
  2. Send the name of the prod uct you wish to buy to our WhatsApp number (08062369822) to get started.
  3. Click on the CredPal link and enter the product name as the “Order Description” and the price as the “Order Price” as agreed upon. Click continue to proceed.
  4. Fill in the necessary details to sign up or sign in to CredPal, upload the required documents, and wait for your credit and loan limits to be approved.
  5. Pay the required 30% deposit of the order amount.
  6. Once you receive approval from CredPal, we will deliver the product to you within 1 to 5 days.



You can purchase from Buytins and pay in 4 installments using Zilla.

This service is only available to salary earners.

The features of using Zilla include:

  • Shopping limit of ₦300,000
  • 0% monthly interest
  • 4 installments (6 weeks, 25% down payment)
  • 3 installments (2 months, 50% down payment)
  • 2 installments (1 month, 50% down payment)

To start using Zilla:

  1. Contact our sales team to get the price of the product(s) you need.
  2. Then click here to get started.
  3. Enter the product name and price on the page, and proceed to checkout.
  4. Click here to create your account on Zilla.
  5. You will need to provide your BVN and the phone number associated with it for verification, and confirm the OTP code.
  6. You will also need to provide your employment details, such as your company name and work email, and upload all necessary information to get your spending limit of 300,000 Naira.



Buytins has partnered with Klump to offer you flexible payment options that meet your needs. With Klump, you can pay for your purchase in 
4 installments over a period of 3 months.

The first installment, which is 25% of the total payment, will be collected from your payment card at checkout.
Klump will then automatically collect the remaining installments on a monthly basis.

To use this service:

  1. Send the name of the product you wish to buy to our WhatsApp number (08062369822) to get started.
  2. Click here to begin the payment process. Type in the product name and the price as agreed upon with the Buytins team.
  3. Review your payment breakdown and complete the checkout process. Make your deposit, and we will deliver your item to you within 1 to 3 days.

Here are some things to keep in mind when using Klump:

  • You will need to provide personal details to determine if you are approved for the service.
  • You will need to have a valid ID card (international passport, voter’s card, NIN card, driver’s license) and a BVN.
  • Your bank account should support mobile and internet banking.
  • You will need a payment debit card for the initial deposit of 25%.
  • You can complete future payments with Klump with just one click.

If you need help, you can send the product name you wish to buy now and pay later to our WhatsApp number (08062369822) or email us at