Phone finance
Choose a phone.
Review the plan.
We offer phone finance through AidaCredit at participating stores in Nigeria. A Sales Advisor (SA) helps you choose a supported phone, apply and complete your purchase. You can also apply for a credit assessment in the AidaCredit app, but you must visit the designated store to complete the purchase.
Ask about storesAt a participating store
Choose a phone.
Review your offer.
Browse supported devices with an SA, then review the financing offer before accepting. The device, down payment, financed amount and repayment plan depend on the store, model and assessment.
Available through 1,000+ participating stores across 39 cities
- 01
Choose your phone
Visit a participating store and select a supported brand, model and configuration.
- 02
Prepare your application
Have your NIN, BVN and bank details ready. The SA helps submit your information and required photos.
- 03
Review your plan
After assessment, confirm the approved amount, any down payment, instalment plan and repayment dates.
- 04
Complete and collect
Pay any required down payment. With the SA's help, sign the agreement and confirm the order, then collect your phone after successful processing.
See the full in-store process
- 01
Choose a supported phone
Visit a participating store and select a supported brand, model and configuration.
- 02
Submit your information
The SA helps submit the credit application, identity and bank information, plus the required photos.
- 03
Review the assessment
We assess your identity and bank information, credit profile, chosen phone and the applicable product rules.
- 04
Confirm the plan
Confirm the phone model and configuration, approved amount, down payment, instalment plan and repayment dates.
- 05
Complete the order
Pay any required down payment. The SA helps upload payment proof, the IMEI and related photos, then you sign the agreement and confirm the order.
- 06
Collect the phone
After successful processing, the store's Aida sales representative hands over the device.
Before accepting
Check the offer
for your phone.
The device price follows the store selling price. The financed amount equals the phone price minus the down payment. Your down payment, instalment count and repayment amount depend on the store, model and assessment.
Review the available instalment plans, due dates and total repayment in your offer before accepting.
Before you visit a store
Prepare the details
for your application.
Eligibility
Phone finance is for Nigerian residents aged 18–60 with a stable income.
Information to bring
Have your NIN, BVN and bank account or bank card details ready.
Down payment
Some stores or models may require no down payment when the approved amount covers the phone price. Otherwise, it depends on the assessment, store and model.
Where the money goes
Once your purchase is completed, we pay the financed amount to the participating store. You repay us according to the schedule in your signed agreement.