Pody vs Uplat

Buy Now, Pay Later for Devices. Pody is a device financing platform that gives you access to quality laptops and gadgets while paying in flexible installments that fit your income and schedule. No interest. No hidden charges. HOW IT WORKS 1. Sign up and complete KYC 2. Get pre-qualified and see your credit limit 3. Browse devices and make a minimum 20% down payment 4. Receive your device after approval 5. Repay on your agreed schedule ZERO INTEREST The price you see is the price you pay. Full cost disclosure before you commit. FLEXIBLE REPAYMENT Choose a repayment term from 30 to 270 days. Pay daily, weekly, or monthly, all tracked and managed within the app. TRUSTED DEVICE BRANDS Browse laptops and gadgets from globally recognised OEM brands, sourced directly and delivered to your door. YOUR DATA IS PROTECTED Pody complies with the Nigeria Data Protection Act (NDPA) 2023. Your data is encrypted and never sold or shared without your consent. WHY PEOPLE CHOOSE PODY 1. Zero interest on all financing 2. Repayment terms from 30 to 270 days 3. Daily, weekly, or monthly payment options 4. Devices from globally recognised OEM brands 5. Fast delivery 6. Fully licensed and compliant with applicable financial regulations

Uplat is the simple way to pay for what you need today and spread the cost over time. Split purchases into easy payments, settle every bill in seconds, shop your favourite stores and manage a smart card, all from one beautifully simple app. BUY NOW, PAY LATER — THE FAIR WAY Choose Uplat at checkout and split any purchase into three easy payments over three months. Pay the first part today and we'll collect the rest month by month, with a reminder before every payment. • One flat monthly rate, split into three • No compounding and no hidden fees • See your full payment schedule up front • Check your spending power in seconds, right in the app PAY EVERY BILL, ONE TAP AWAY Never queue for a top-up again. Buy airtime and data, pay for TV, settle your electricity and even book a flight — straight from your home screen. • Airtime, data, TV, electricity and more • We remember your favourite numbers, smartcards and meters • Confirm with your PIN or Face ID • Tokens and receipts arrive instantly A CARD THAT KEEPS UP WITH YOU Create a free virtual card in the app today and get a physical card shipped to your door — ready to pay online and in person. SHOP PARTNER STORES Discover stores you love and pay the way that works for you — in full, or split over time with Pay Later. UP AND RUNNING IN MINUTES 1. Download Uplat and create your account with your phone number. 2. Take a quick selfie and add a valid ID to unlock your full spending power — it takes a couple of minutes. 3. Start paying bills, shopping partner stores and splitting your purchases. BUILT WITH SECURITY IN MIND Every payment is protected by your PIN or Face ID, so only you can spend. Money made effortless. Download Uplat and start paying smarter today.