New flexible payment plans and other updates.

Tired of feeling tied down by rigid payment plans that don’t work for your budget? Well, prepare to be thrilled because we are shaking things up with some exciting updates! We’re introducing brand-new flexible payment plans that will give you even more options when it comes to shopping. We’ve also made some minor tweaks to our existing options to ensure that you have a variety of choices that will fit your unique needs. So, get ready to shop with ease and freedom like never before!

Here’s what’s new:

  1. We are introducing a new flexible plan of up to 3 months. You can now spread purchases over 4 months, with 1 down payment and 3 instalments to be paid at a later date. One payment every month. This new plan will show up as Flexible Payment.
screenshot highlighting the flexible payment option (monthly repayment plans)

You will also now be able to change your repayment dates at checkout when you use this plan. This means that you can change your repayment date to any day within 2 weeks before your payment is due. Note that you can only do this before completing the order.

screenshot highlighting where to change repayment dates

Depending on your payment duration, whether you are using this plan on CardZilla, and how much you intend to pay as a downpayment, we may charge you a one-time fee as low as 0% and up to 11%.

Please use the in-app calculator feature under Cards and More to get an estimate before you complete your purchase.

screenshot showing where to find the cost calculator on the web app

2. You must now pay all fees in full upfront. If you are using a payment plan that requires a fee, we will add it to your down payment and require that you pay it upfront. All fees are ONE-TIME and not charged monthly.

3. Pay in 3 via CardZilla now attracts a fee of 6%. Our Pay in 3 plan allows you to split your payments into three months, with a low fee of just 6%. This plan is perfect for those who want to pay off their purchases quickly while still enjoying the flexibility of our BNPL solution.

4. The minimum financed amount is now 5,000 naira. This means that when you we cannot finance your purchase if the amount (after subtracting the down payment) is less than 5,000 naira. The calculator feature on the Cards and More page will help you with this.

5. You will now be required to complete one more step towards ensuring that we are able to provide you with credit. This task will show up as Personal Details. Please note that all of your personal information remains private and confidential.

What’s not changing:

  1. Pay in 2 via CardZilla remains the same with a fee of 5%. Our Pay in 2 plan is ideal for those who want to pay off their purchases in just two months, with a fee of just 5%.
  2. Every other payment (outside of the Flexible Payment plan) made through Zilla merchants still attracts no fees at all.

Local banks and many loan apps have made it almost impossible to access credit and when you do, it’s so expensive. Our goal at Zilla is to make credit accessible to you and ensure you don’t have to break the bank to access it when you need it. Our new payment plans offer the same flexibility and convenience without the exorbitant rates and hidden fees offered by banks and loan apps.

We are committed to helping you shop responsibly and affordably, and we believe that our new payment plans will make it even easier for you to do so. As always, our team is available to answer any questions you may have and help you make the most of our services.

If you have not yet signed up, click here to do so and start enjoying the good life!

Thank you for choosing Zilla, and happy shopping!

Best regards,

The Zilla Team

Please let us know if there is anything else we can help you with. You can reach us on 08147198097 or email us at (9am to 6pm Monday to Friday, and 10am to 4pm Saturday and Sunday).

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