Lucred

Get up to ₦300,000 in credit and enjoy paying back with interest as low as ₦20 daily. Plus, get rewarded for using your credit and making prompt repayments!

With the Lucred app, shop stress-free at your favorite stores and pay over time with flexible payment plans. There are no late fees, hidden charges, or surprises—ever.

How Lucred Works

Ready to start shopping with flexibility? Here’s how it works:

1. Download the Lucred App: Install the app and create your account.
2. Apply for a Credit Limit: Provide the required details to get started.
3. Approval in 5 Minutes: Receive approval quickly and start shopping.
4. Shop with Ease: Head to the Spend section to find your favorite stores, shop, and fill your cart.
5. Complete Your Purchase: Pay online or in-store by scanning a QR code.

Why Choose Lucred?

With Lucred’s Buy Now, Pay Later (BNPL) flexibility, you can shop at your favorite stores without paying the full amount upfront. We’re transparent about your costs from the start and never charge late fees, penalties, or hidden costs.

Benefits of Shopping with Lucred

1. Buy Now, Pay Later Anywhere

• Access BNPL shopping at hundreds of stores.
• Flexible payment plans of 3, 6, or 9 months for all kinds of purchases—including apparel, electronics, beauty products, and more.

2. Exclusive Deals with Low or No Interest

• Some customers enjoy 0% APR, meaning no interest while paying over time.
• Unlock deals on items like clothing, electronics, auto products, and more.

3. Manage Your Account with Ease

• Choose your payment plan upfront and know exactly what you’re paying.
• Make payments conveniently within the Lucred app.
• Get email and text reminders to stay on track with your payments.

4. Get Rewarded for Timely Payments

• Increase your credit limit as you shop more and repay on time.
• Enjoy special rates and exclusive deals for being a responsible borrower.

5. Pay Utility Bills with Ease

• Use Lucred to pay for electricity bills, airtime, data, cable subscriptions, and more—all in one app!

Flexible Payment Plans with Low Interest

• Interest rates range from 3.5% to 5%, depending on your plan and eligibility.
• Payment options are subject to an eligibility check and may vary by location.

Lucred: More Than a Credit Line

Think of Lucred as your digital credit card or a buy now, pay later service—but with a twist. We offer a revolving credit line, which means you can use, repay, and reuse funds up to your approved limit anytime you need.

• Borrow up to ₦200,000 and spend at over 1,000+ merchants.
• We calculate interest using the Annual Percentage Rate (APR) model and reward timely payments.

Your Smarter Way to Shop

Choose Lucred for smarter, more flexible shopping and stay financially responsible while treating yourself. Download the Lucred app today and start shopping at your own pace.

Lucred services are provided in partnership with our trusted lenders. Download now to explore a new way of shopping!