One app, all things payment.
Flexible payment solution that allows you to get what you want and pay in full or in instalments.
Pay in 30 days
0% interest for all qualifying payments.
Buy now and pay later for all your everyday essentials including bills & shopping needs with 0% interest!
Spread payment
Spread payment between 2 - 6 months.
Whether online or in-store, you can conveniently shop from our partnered merchants while enjoying discounts and cashback.
Download the CredPal app to get started
Join millions of satisfied customers who are already using CredPal to access credit, make payments, invest & many more!
CredPal financial services are offered by BishopGate Microfinance Bank, fully licensed and regulated by the Central bank of Nigeria. CredPal offers innovative financial solutions including investments and credit services. Our credit solution allows businesses and individuals to buy anything and pay for it in installments across online and offline Merchants by providing them with instant access to credit at the point of checkout.
Merchants Onboarding
Once a Merchant partners with CredPal to accept and use our services, CredPal will onboard the Merchant on its platform by having the Merchant register or by registering the Merchant on a dedicated platform. CredPal may list the Merchant’s business on the CredPal mobile application and/or website (“Marketplace”), such that CredPal’s users or the Merchant’s patrons are able to pay for goods and services using credit advanced by CredPal.
Equality with Merchant Sales Channels
The Merchant will ensure that there is equality between the offerings (e.g. listing price and other terms including but not limited to discounts, minimum price, warranties, return and refund policies, after-sales service, etc., regarding the sale of the same Merchant's products and services) by the Merchant on other e-commerce platform and offerings on Marketplace.
Merchant's Use of the Marketplace
The Merchant shall maintain the security of Merchant log-in credentials to the Marketplace. The Merchant is responsible for any expense, loss, or liability caused by the loss or breach of those credentials.
The Merchant shall not use the Marketplace to abuse the Services or in a manner that would be detrimental to the function of the Marketplace or to other Merchant's use of the Marketplace.
Independent Service Provider
CredPal is providing the Services on an independent service provider basis. CredPal does not endorse, have control or assume the liability for the products or services that are paid for with the Services.