Instalments
Ask before you commit.
Spread the cost of a phone over three to nine months. We pass your enquiry to a lending partner, who decides. We never promise approval.
Example terms
Three ways to spread it
3 months
50% downa then 3 monthly payments
- Phones from 150,000 naira
- Fees shown before you agree
- Most chosen
6 months
40% downa then 6 monthly payments
- Phones from 300,000 naira
- Fees shown before you agree
9 months
30% downa then 9 monthly payments
- Phones from 600,000 naira
- Fees shown before you agree
Example terms for this demo store. A lending partner sets the real terms.
An example
A phone at 1,250,000 naira over 6 months
How the deposit and payments could look before any partner fee.
| Stage | When | Amount (naira) |
|---|---|---|
| Deposit 40% | On the day | 500000 |
| Monthly payment | Six months | 125000 |
| Total before fees | Over six months | 1250000 |
Example figures for this demo store. Partner fees are extra and shown before you agree.
Plainly
We are not a lender. A partner checks every application, sets any fee and decides. If they say no, nothing is owed.
How it works
From enquiry to answer
Enquire
The phone, the plan and your monthly income range.
Partner check
The partner contacts you directly.
Answer
Yes, no, or a different plan. Usually within a working day.
Collect
Pay the deposit and collect at a branch.
Questions
Will you check my credit?
We do not. The lending partner may, and will tell you first.
Can I pay it off early?
Ask the partner; the terms say.
Is approval guaranteed?
No. Never.
Enquiry
Send an instalment enquiry
The phone you want, the plan, and the best time to call you. This is an enquiry, not an application.
- counter@phonepalace.example
- Ikeja, Lagos