How Pick Now Pay Later Works
Get the products you need today and pay over time with our flexible payment plans. No hidden fees, transparent pricing, and simple monthly payments.
Choose Your Products
Browse our catalog of electronics, furniture, appliances and more. Each product shows the full price and monthly payment options.
Select Payment Plan
At checkout, choose to pay in full or split your purchase into 3, 6, 9, or 12 monthly installments. See exactly what you'll pay.
Make Easy Payments
Pay your monthly installments via mobile money. Track all your payments and upcoming due dates in your dashboard.
Why Choose PickNow?
No Hidden Fees
What you see is what you pay. We show you the total cost upfront including any interest charges.
Flexible Terms
Choose the payment term that works for your budget - from 3 months to 12 months.
Mobile Money Payments
Pay easily using MTN Mobile Money, Vodafone Cash, or AirtelTigo Money.
Track Everything
View your payment schedule, track upcoming installments, and manage everything from your dashboard.
Frequently Asked Questions
What happens if I miss a payment?
We'll send you reminders before your due date. If you miss a payment, please contact us immediately to discuss options. Late payments may incur additional fees.
Can I pay off early?
Yes! You can pay off your remaining balance at any time without any early payment penalties.
What is the interest rate?
Our interest rates vary by product and payment term. The exact rate is always shown clearly before you complete your purchase, so you know the total amount you'll pay.
Do I need a credit check?
We may perform a soft credit check to verify your identity. This does not affect your credit score.
Ready to Get Started?
Browse our collection of quality products and start shopping today. Pay in easy installments that fit your budget.
Start Shopping