Buy Now, Pay Later
Get your gadget today. Pay over, up to 12 months.
Split any order into monthly instalments with Klump or Credit Direct - no extra fees from Sales366, and the full cost shown before you commit.
Start shoppingHow it works
- 1
Fill your cart
Shop as normal - every product qualifies - and head to checkout when you're ready.
- 2
Choose a pay-later option
Select Klump or Credit Direct as your payment method at checkout.
- 3
Complete the quick check
A short eligibility check runs in the provider's secure window. Credit Direct decisions can take a little longer — we hold your order for up to 3 hours while the lender confirms.
- 4
Get it now, pay monthly
Once approved, we process and deliver your order. You repay the provider in monthly instalments over your chosen plan.
What it costs
Up to 12 monthly instalments
Spread the cost over as many as 12 monthly payments. You pick the plan length with the provider.
₦0 added by Sales366
The amount financed is exactly your order total. We add no fees and no markup for choosing to pay later.
The full cost, upfront
Any finance charge is set by the provider and shown to you - with the exact monthly figure - before you accept. No obligation until you confirm.
Am I eligible?
What Sales366 requires
- A free Sales366 account - checkout requires sign-in
- Any order value - no minimum or maximum basket
- Any product - no excluded categories
- Your email address and phone number, so the provider can reach you
What the provider checks
- Identity and affordability checks run inside the provider's own secure window
- You may be asked for details such as your BVN — that information goes to the provider, never to Sales366
- Approval and the exact plan are the provider's decision, shown to you before you commit
A worked example
Samsung Galaxy A26 5G (8GB RAM, 256GB) — ₦450,000
- Product price
- ₦450,000
- Sales366 fees
- ₦0
- Amount financed
- ₦450,000
- 12 monthly payments of
- ₦37,500
Illustrative example at the product's current price. If the provider charges for credit, your monthly figure will be higher — the exact plan is always shown to you before you accept.
Frequently asked questions
Ready to shop?
Every product is eligible. Find your next phone, laptop or gadget and choose a pay-later option at checkout.
Still have questions?
Chat with us on WhatsApp at +234 809 8800 366 or email cc@sales366.com - we're happy to walk you through it.
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