Shop now, pay later with


Zerofinance is Nigeria’s leading online retail store, providing quality branded home electronics, domestic appliances, computers, mobile phones and household furniture to customers with instalment payment options. We believe in choices and flexibility.

We believe that everyone should have the option to own their dream products without settling for less!  But more importantly, we believe in the flexibility of paying on your own terms, so we put you in the driver’s seat.  Our instalment payment options allow you to choose from a wide range of products without having to worry about big costs upfront.

Whether you want an upgrade to the latest technology, to indulge in the new comfortable home appliance or simply need to replace one of your essential office equipment you’re sure to find what you need in our diverse product catalogue with the option to spread the cost.

Across our full range of products you can choose to spread cost from the following options:


Our most popular flexible payment option that lets you shop now, take now and pay later, What’s more, we don’t even require any deposit upfront, just manageable monthly payments throughout your agreed payment term of up to six months. PayQart Option is accessible to Lagos customers in paid employment and small businesses/business owners

Lay-by (Low deposit Shopping scheme)

Our Lay-by option allows you to reserve products while you make easy payments over a period of three months. With a minimum down payment, we will keep the products for you at the retail price with no extra cost/fee and deliver to your doorstep upon completion of payment. This flexible payment option is open to all customers.

At Zerofinance you simply choose the product, select your preferred payment option & duration, provide some basic information and get instant pre-approval to split your payment up to 6months.
We are committed to providing transparency when making a purchase and are always on hand to offer advice and lend support where needed. There are no gimmicks so the total you see at checkout is always what you actually pay depending on your preferred payment option.
Pay on delivery or pay in instalments, the choice is yours when you shop with us.
To order simply log on to You can also contact us on 0818 7571902, 01-6311319 or email [email protected]