Buy what you need. Pay when your money comes.
XCred is a buy now, pay later platform for Nigerians who don't want to wait. Get electronics, appliances, and everyday essentials today. Pay in small installments from your salary or contract income.
Registered in Nigeria. CAC RC pending. FCCPC compliant. Partnered with CBN-licensed lenders.
The problem
Three problems
we know too well.
Money comes monthly. Life happens daily.
Your salary lands on the 27th. Your laptop breaks on the 5th. You need it for work but your next paycheck is three weeks away. So you borrow from family, or you don't replace it at all. Neither is fair.
Save up and you'll fall behind.
A generator that costs ₦200,000 today will cost ₦280,000 by the time you've saved enough. In a high-inflation economy, your savings lose value faster than they accumulate. Saving is a losing race.
No credit history? Then no credit.
Most Nigerians have never had a credit card or a bank loan. We're invisible to formal lenders. You need credit history to get credit. But you need credit to build credit history. The system is closed to you.
The solution
XCred fixes all three
at once.
Get it today.
Walk into a partner merchant. Pay a small deposit. Walk out with your item. We cover the rest. The merchant gets paid immediately.
Lock in today's price.
Beat inflation by buying now and paying over time. For most items, the cost of credit is less than what waiting would have cost you.
Build credit that compounds.
Every payment you make becomes a line in your credit history. Pay on time and your limit grows, your interest rate drops, and bigger doors open over time.
How it works
From your phone to your front door, in five steps.
Sign up with your phone number.
We verify your identity using your BVN. The whole thing takes about two minutes. No paperwork. No bank visit.
Get your credit limit.
Our system assesses your eligibility instantly. You see your limit upfront, and you'll know exactly how much you can borrow before you ever walk into a store.
Shop at any partner merchant.
Online or in-store. Pick what you need — electronics, generator, motorcycle, appliances. If they're a partner, you can pay with XCred.
Pay a small down payment.
Usually 10–25% of the item price. You walk out with your item the same day. The merchant gets paid in full immediately. You take on a structured loan with terms you've already agreed to.
Pay back in installments.
Weekly, monthly, or every three months — you choose what fits your income. We debit your linked account automatically on your chosen payday. You're never surprised.
Built for Nigeria
Built for how you actually earn.
Most BNPL platforms assume everyone gets paid the same way. We don't. Your repayment schedule matches your income — not the other way around.
You earn once a month.
We let you pay back once a month, on the day after your salary lands. No stress. No juggling. Just one payment when your money is there.
Your income comes in chunks.
Set repayment every 3 or 6 months to match your real cash flow. No other Nigerian BNPL does this.
Pay weekly. Pay monthly. Pay quarterly. Whatever works for your money.
Transparent pricing
See exactly what you'll pay. Before you commit.
No surprises. No hidden fees. Move the sliders. The numbers update live.
You'll pay
Monthly
Total interest
Total you'll pay
Increase your down payment by ₦50,000 and save ₦9,014 in interest.
Illustrative calculation at 5% per month reducing balance. Your actual rate may be lower based on your credit profile.
For merchants
Sell more.
Worry less.
Every customer who walks out without buying is lost revenue. XCred turns those walkouts into completed sales — and you still get paid in full, immediately.
- Get paid in full, immediately, on every transaction
- Zero credit risk — we handle assessment, collections, and disputes
- Higher average order values when customers can spread payment
- Free integration — no setup fees, no monthly fees
- Customers we approve are pre-qualified — no awkward rejections in your store
Trust & compliance
Built on trust. Backed by law.
We know Nigerians have been burned by scams. So we built the most transparent BNPL in the market. Here's the proof.
Registered with CAC
Alan Innovations Limited. A legally registered Nigerian company.
FCCPC compliant
Registered under federal digital lending regulations.
NDPR certified
Your BVN and bank data are protected by Nigerian law.
CBN-licensed lending partner
The actual loans come from a regulated financial institution.
No hidden fees
What we show you in the calculator is exactly what you pay. No surprises.
End-to-end encryption
Your personal data is encrypted at rest and in transit.
Common questions
The honest answers.
No. XCred is the product name of Alan Innovations Limited, a CAC-registered Nigerian company. We're FCCPC-compliant, NDPR-certified, and we partner with CBN-licensed lenders. Our company registration number is publicly verifiable on the CAC website.
Be the first to know when XCred goes live.
We're launching in Uyo first, then expanding across Nigeria. Join the waitlist and get early access plus your first transaction interest-free.