How does buying on credit work?
A simple, transparent purchase that fits your budget
The steps
1
Choose your item
Browse our online catalogue or visit the shop. Phones, home appliances, furniture, clothing, motorbikes, farm equipment...
2
Submit your application
Online, from your customer area or in the shop. Bring a valid ID and, if possible, proof of address and income.
3
File approval
Our team reviews your file and quickly gets back to you to confirm the terms.
4
Signature and delivery
You sign the credit sale contract, pay the membership fee and the first instalment, and take your item home.
5
Repay at your own pace
The balance is paid in monthly instalments, to the day after delivery: online (Mobile Money, card) or in the shop. You get a receipt for every payment and can follow everything from your customer area.
Our plans
Standard — 3 payments (45% / 28% / 27%)
Membership fee + 45% on delivery, then 28% and 27% one month apart, to the day
For items from 0 F CFA — down payment 45 %, then 2 instalment(s) (28 % then 27 %), frequency monthly.
Extended — 4 payments (over 300,000 F)
For items over 300,000 F CFA: repayment in four instalments (40% + 3 x 20%)
For items from 300 005 F CFA — down payment 40 %, then 3 instalment(s) (20 % then 20 % then 20 %), frequency monthly.
Simulator
F CFA
Membership fee
| Item price | Fee |
|---|---|
| 10 000 – 20 000 F CFA | 1 100 F CFA |
| 20 005 – 50 000 F CFA | 2 100 F CFA |
| 50 005 – 99 995 F CFA | 3 100 F CFA |
| 100 005 – 150 000 F CFA | 5 100 F CFA |
| 150 005 – 200 000 F CFA | 7 100 F CFA |
| 200 005 – 250 000 F CFA | 9 100 F CFA |
| 250 005 – 300 000 F CFA | 10 100 F CFA |
| 300 005 F CFA and above | 10 100 F CFA |