buy now, pay later

Shop now, pay later on AjoMoney.

If you can save up for it later, with AjoMoney, you can buy it now and pay in 4-installments.

Create a free account

Don’t let purchase offers pass you by.

We make it possible for you to shop for all you need from your favourite stores and payback weekly in four-installment.

Interest free

Repay at zero-percent interest rate when you shop online.

Instant approval

As a creditworthy AjoMoney, you get instant approval to buy now and pay later from our partners at any store.

Multiple channels

You can checkout directly on the merchant card payment by using AjoMoney virtual card credit for your purchase on checkout through AjoMoney gateway.

Here’s Amina

She now shops and pays later on AliExpress with AjoMoney

Amina does order bags from Aliexpress and resell them to her customers in Nigeria, with AjoMoney buy now pay later, she’s able to get credit to pay in installment and balance the payment as her customers started placing orders.

Willing to grow your business?

Join AjoMoney for business, get to set up your store online, receive payment in full or installment via pay later and also gain access to savings and credit offerings for businesses.

AjoMoney for Business

Join AjoMoney

Become financially free and included when you build credit through flexible savings such as rotating group savings and thrift contribution with collective investment.


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