Shop on installment
Find a Credably store, choose a product and get a credit decision in minutes.
Last updated: 13 October 2026
Credably works with partner stores. You choose what you want, pay a down payment, and pay the rest in installments. The store gets paid in full by Credably upfront.
Find a store
- Browse partner stores on the Find a store page of our website.
- Or browse products and stores in the Shop section of the customer app.
- Store coverage is currently focused on Abuja, Lagos and Benin City.
Buy at the store
- Pick your product at the store and tell the store you want to pay with Credably.
- Give the store the phone number on your Credably account. If you're new, the store can start your account for you and you'll get a link to finish signing up.
- The store sets up your plan with you: the down payment and how long you'll pay for.
- We run a credit check. Most decisions come in under 5 minutes.
- If approved, you get a checkout link to pay your down payment.
Checking your eligibility doesn't hurt your score. If an application is declined, a bigger down payment or a longer plan can help — ask the store to try again with different terms.