Personal Solutions
Want it now?
Get it now.
Buy Now, Pay Later — pay 30% today, take it home
You don't have to wait until payday for the things you need. With Essential Finance BNPL, pay just 30% upfront on any purchase and spread the remaining 70% in manageable installments.
Get It Now — Apply in Minutes →
Your details are secure and never shared with third parties.
Buy it Now. Pay Later.
Take it home today
Pay just 30% upfront. Essential Finance covers the remaining 70% so you can take your item home today and repay in flexible installments.
Transparent, stress-free terms
Low interest rates, no hidden fees, and fast disbursement. What you see is exactly what you get — no surprises at the end.
Up to ₦10 Million
Big purchases. Small steps. Access up to ₦10 million for electronics, furniture, generators, vehicles — and repay directly from your salary at a pace that suits you.
Fast Disbursement
Your plans shouldn't wait. Once approved, funds are released quickly so you can complete your purchase without delay. We move at your pace.
Salary Deduction
Repay the effortless way. Repayments come straight from your salary — no manual transfers, no missed payments, no stress. Just automatic, seamless deductions.
Four steps to take it home today
Tell Us What You Need
Fill out the quick form with your details and the purchase amount you're looking to finance.
Submit Documents
Provide your ID, employment letter, and recent bank statement through our secure process.
Get Approved
Our team reviews and responds within hours. You'll receive your offer fast.
Take It Home
Pay your 30% deposit, Essential Finance covers the rest, and you walk away with your purchase.
Partnerships that help us
serve you better
We work with trusted institutions and ecosystem partners to make access to finance simpler, faster, and more reliable.
