Paying with Zilla in Instalments – How it works

Paying in instalments with Zilla

Zilla enables you to split payments in flexible instalments at checkout. Want to buy an item from a merchant that accepts Zilla? It’s as easy as ABC.

Here’s how it works

When you choose to pay with Zilla, it can work out in three ways:

When the merchant has a website

If you are making a purchase from a merchant with a website or an e-commerce store, simply add items to your cart per usual and choose Zilla at checkout. You will be directed to the Zilla payment gateway to complete the payment.

Zilla instalments on foot city

When the merchant has a social commerce store (Instagram, Twitter, etc)

In this case, simply DM the merchant and inform them that you want to pay with Zilla. They will share a payment link with you. The link takes you to the Zilla payment gateway.

payment instalments

Using Zilla on e-commerce sites like Konga, Jumia, etc.

You can use your Zilla card at other e-commerce stores if you do not find the item you need with Zilla merchants.  Here  is a guide to using the Zilla card.

Choosing a Preferred Payment plan

When you use Zilla as a payment option, you can choose from different payment plans:

  1. Pay instantly and get 2% cashback
  2. Pay in 2: Pay 25% now and the rest in thirty days.
  3. Pay in 3: pay 50% now and the rest in 2 equal monthly instalments
  4. Flexible payment: pay at least 25% now and spread the rest for up to 3 months (this payment plan may attract a small fee)

If you don’t have an account, here’s a detailed guide on how to create an account and get instant credit on Zilla in 5 mins.

Check out our full merchant list here.


To qualify for these benefits, you must be employed and fully registered on Zilla.

If you have any questions, please let us know. You can reach us on 08147198097 or email us at (9am to 6pm Monday to Friday, and 10am to 5pm Saturday and Sunday).

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