Buy Now Pay Later

ShopsFit's Buy Now Pay Later Scheme is one of Nigeria's leading e-commerce platform that
specializes in consumer buying goods on credit.

So, how does Buy Now Pay Later work?

Shop at your favorite e-commerce shopsfit.com. From finding what you love, to paying over time, we make every step smoooth. Millions of people have discovered the benefits of online shopping with ShopsFit's payment plans. Try before you buy, or pay over time. No matter what you need, we've got a flexible option to fit your budget.

No-hassle installation

Low Interest Rate

Flexible Payment Plans

Up To 12 Months Payment Plan

How To Pay With Specta

Identify Your Product

Pick your product on ShopsFit online store and add to cart

Proceed To Checkout

Proceed to checkout and click "Pay With Specta"

Place Order

Click on 'Place Order' if you have a Specta account or click 'Sign Up'

Proceed To Specta Page

Proceed to PayWithSpecta page. Follow the process

Specta ID

Enter your Unique SPECTA ID

Congratulations

Congratulations, you have successfully made an order on ShopsFit using Specta

How To Pay With CredPal

Install CredPal

Install CredPal App and register an account

Get Spending Limit

After registeration you would get your spending limit

Go To Marketplace

Go to marketplace on the app, search and click on ShopsFit

Add Product

Type the product & it's price

Place Order

Click on "Place Order"

Congratulations

Congratulations, you have successfully made an order on ShopsFit using CredPal

FAQs

SPECTA

Who Can Access Loans?

It can be accessed by Salaried and Non-Salaried individuals
Salaried Individuals –. You can access a personal loan if your salary account is domiciled in any other Bank or with Sterling Bank. It is opened to all account holders in Nigeria.
Non-Salaried Individuals – You can access a personal loan if you are self-employed, a business owner, a professional, a trader etc., with accounts in any other bank or with Sterling Bank.

What is the Tenor Applicable to loan?

You can access a personal for a tenor of up to 12 months.
if you belong to a Sterling Community i.e. your company has been onboarded on the Specta platform, you can access a personal loan for a tenor of up to 36 months.

What rate does Specta charge on loans?

The interest rate charged varies from 25.5% to 28.5% depending on your risk rating
Management fee is 1%
Insurance is 2.5%
if you belong to a Sterling Community i.e. your company has been onboarded on the Specta platform, rates have been pre-negotiated with your HR Manager or company representative.

What is the maximum amount i can access under personal loans?

You can access a personal loan amount up to a maximum of N2 million naira.
if you belong to a Sterling Community i.e. your company has been onboarded on the Specta platform, you can access a personal loan of up to N5m.

CREDPAL

How to create a personal account?

Sign up for your CredPal personal account free. If you need help signing up, please read this guide to walk you through the process.

Is my CredPal account secure?

CredPal offers full protection from unauthorized transactions so you can trust that your finances are secure. The safety of your account is important to us. If you notice a suspicious transaction, you can prevent additional fraudulent behaviour by freezing your card(s). Learn how to freeze your cards here. Our support team is also available for assistance on all related matters at hello@credpal.com.

Can my credit limit increase?

Yes. An account with a high-performance rating may be reviewed and granted a higher credit limit. Offsetting your credit balance and loans as and when due is a great way to earn a high-performance rating. For further information, please send us a mail at hello@credpal.com.