Best Buy Now Pay Later Nigeria Apps

217+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated June 2026

Out of 217+ buy now pay later nigeria apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Top Picks for Buy Now Pay Later Nigeria

CDcare Pay Small Small App#1

CDcare Pay Small Small App by EMAXIE LIMITED

CDcare E-commerce App.
Editor's Choice
πŸ›οΈ Shopping
4.6😐(2.3K ratings)
Free
CDcare Pay Small Small App screenshot 1
CDcare Pay Small Small App screenshot 2
CDcare Pay Small Small App screenshot 3
CDcare Pay Small Small App screenshot 4
CDcare Pay Small Small App screenshot 5
CDcare Pay Small Small App screenshot 6

Shop for items and pay in interest-free installments at market price on CDcare Marketplace. Experience convenient shopping with financial flexibility. Find out more and start shopping today!

What We Love

  • πŸš€ Swift delivery
  • πŸ‘ Reliable and trustworthy
  • 🀝 Friendly and professional delivery staff
  • πŸ’° Flexible payment plans

Room to Improve

  • πŸ› Delayed deliveries
  • πŸ€” Unclear communication on order status
  • πŸ’² Concerns about pricing and hidden fees
Tamara | Shop Now Pay Later#2

Tamara | Shop Now Pay Later by Tamara FZE

Pay in up to 24, No late fees
Strong Contender
πŸ’° Finance
4.7😞(59K ratings)
Free
Tamara | Shop Now Pay Later screenshot 1
Tamara | Shop Now Pay Later screenshot 2
Tamara | Shop Now Pay Later screenshot 3
Tamara | Shop Now Pay Later screenshot 4
Tamara | Shop Now Pay Later screenshot 5
Tamara | Shop Now Pay Later screenshot 6

Discover new and trending fashion items from top brands curated just for you. Get personalized recommendations based on your style preferences and shop the latest trends effortlessly. Update your wardrobe with ease!

What We Love

  • πŸ‘ Easy to use
  • πŸ’‘ Helpful payment splitting
  • πŸš€ Smooth and fast transactions
  • πŸ™ Excellent customer service

Room to Improve

  • πŸ› Unreliable payment processing
  • 🀬 Terrible customer support
  • ❌ Unauthorized charges
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay Holdings Ltd

Shop Now. Split your payments.
Worth Considering
πŸ›οΈ Shopping
4.9😐(752K ratings)
FreeAds
#36in Shopping
Afterpay: Pay over time screenshot 1
Afterpay: Pay over time screenshot 2
Afterpay: Pay over time screenshot 3
Afterpay: Pay over time screenshot 4
Afterpay: Pay over time screenshot 5
Afterpay: Pay over time screenshot 6

Shop fashion, beauty, and tech with the app that lets you buy now, pay later in four interest-free payments. Browse brands, products, discounts, and gift cards across various categories, manage orders, get price drop alerts, use in stores, and access customer support. Download now and enjoy the benefits of Afterpay!

What We Love

  • πŸš€ Convenient payment plan
  • πŸ’³ No interest or hidden fees
  • 🀝 Good customer service (initially)
  • πŸ“ˆ Increasing credit limit with usage

Room to Improve

  • πŸ› App/website technical issues
  • πŸ”’ Security and privacy concerns
  • πŸ€– Lack of human customer support

More Buy Now Pay Later Nigeria apps to explore

4
MoneyLion: Banking & Cash Back
MoneyLion: Banking & Cash Back
MoneyLion: Banking & Cash Back
Cashback rewards & Loan Offers
Free

A comprehensive and user-friendly finance management app that offers banking, investment, and budgeting tools all in one place, making it easy to stay on top of your financial health. Take control of your finances today with MoneyLion!

πŸ’° Finance
(314K)
5
Jiji Nigeria
Jiji Nigeria
Jiji Nigeria
Buy & Sell Online
Free

Discover a convenient platform in Nigeria to buy and sell a wide range of items including electronics, fashion, and more. Connect with local sellers, browse listings, and find great deals effortlessly. Start buying and selling today!

πŸ›οΈ Shopping
(1.1K)
6
Xpress Bill Pay
Xpress Bill Pay
Xpress Bill Pay
The trusted way to pay
Free

Pay your bills quickly and securely with our trusted app. Set up auto-pay, receive account alerts, and easily pay using your cards or bank account. Don't miss outβ€”get started today!

πŸ’° Finance
(25K)
7
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Pay, save & invest money
Free

Kuda is a financial app that offers free money transfers, savings, and bill payments. It provides easy access to banking services without hidden fees. Download now to simplify your finances.

πŸ’° Finance
(133K)
8
Paga - Send, Pay, and Bank
Paga - Send, Pay, and Bank
Paga - Send, Pay, and Bank
Borderless living
Free

A money transfer app based in Nigeria that allows users to seamlessly send, pay, and manage their finances. Simplify your financial transactions with ease.

πŸ’° Finance
(1.5K)
9
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4ΒΉ
Free

Shop now and pay later with Zip! Enjoy the convenience of making purchases without upfront payments. Experience hassle-free shopping today.

πŸ›οΈ Shopping
(823K)
10
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
Instant Loan App For Fast Cash
Free

Get quick online loans easily with just a few taps using this efficient app. Instantly access the funds you need, hassle-free – try it now!

πŸ’° Finance
(14K)
11
Tabby: Pay over time
Tabby: Pay over time
Tabby: Pay over time
Pay in 4. No hidden fees
Free

Shop at your favorite brands and split purchases into 4 interest-free payments with Tabby. Track payments, get discounts, and explore thousands of products and brands. Take control of your spending with Tabby's convenient features and 24/7 chat support.

πŸ’° Finance
(82K)
12
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Suave: Buy now, pay later.
Easy shopping.
Free

Shop with ease using Suave: Buy now, pay later. Get prequalified for flexible monthly payments and shop at your favorite stores stress-free. Start shopping smarter today!

πŸ›οΈ Shopping
(664)
13
Monica - Pay, Send, Bills
Monica - Pay, Send, Bills
Monica - Pay, Send, Bills
Everything Money and Bills
Free

Monica.ng - An all-in-one app that simplifies bill management by organizing due dates, setting reminders, and tracking payment history. Never miss a payment again - stay organized and on top of your finances with Monica.ng.

πŸ’° Finance
(14K)
14
Paid Keeper - Same Day Pay
Paid Keeper - Same Day Pay
Paid Keeper - Same Day Pay
Your money, when you need it
Free

Get instant access to your earnings with our app. Say goodbye to waiting for payday and hello to Same Day Pay! Download now and take control of your finances.

πŸ’° Finance
(4.7K)
15
Earnifi: Early Pay. Fast Money
Earnifi: Early Pay. Fast Money
Earnifi: Early Pay. Fast Money
Up to $500, Early Wage Access
Free
$0.99 | 100% OFF
πŸ’° Finance
(1.5K)
16
Chipper Cash
Chipper Cash
Chipper Cash
Send or Request Cash in Africa
Free

Send and receive money quickly and easily across Africa with this cross-border payments app, connecting over 3 million users. Transfer funds locally or internationally straight from your mobile device.

πŸ’° Finance
(14K)
17
rapid! Pay
rapid! Pay
rapid! Pay
rapid! Access PayCard OnDemand
Free

Get secure, on-the-go access to all your accounts with the rapid! Pay app. Manage your rapid! PayCard, view balances, transfer funds, and access earnings instantly. Experience cash back rewards, bill payment, personalized cards, and more.

πŸ’° Finance
(179K)
18
deema | Live Now, Pay Later
deema | Live Now, Pay Later
deema | Live Now, Pay Later
by DEEMA COMPANY FOR COMPUTER PROGRAMMING ACTIVITIES WLL
Free

This Kuwaiti payment service allows users to shop with ease and confidence by making payments simpler through installment plans. New users can register with a valid Kuwaiti Civil ID and mobile number to start enjoying the benefits of paying later.

πŸ’Ό Business
(35)
19
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
Free
πŸ’° Finance
(3)
20
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
Shop in up to 12 installments
Free

Discover a revolutionary all-in-one shopping platform connecting users to a wide range of products and services from various retailers. Shop, compare prices, and access exclusive deals all in one place. Join ZOOD Mall now for a seamless and convenient shopping experience!

πŸ›οΈ Shopping
(1.3K)