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About Us

We are Paylater Hub limited, a Nigerian-owned Buy-Now-and-Pay-Later (BNPL) business. Incorporated on the 8th of July, 2021, with registration number RC 1816266, we operate a structured and fully licensed lending business, approved by the Federal Competition And Consumer Protection Commission and audited by the Nigeria Data Protection Bureau to carry on the business of Digital Lending. We provide financial intervention to individuals, whose periodic incomes are running low, to facilitate payments for essential goods and services.


1. What is Paylater Hub?

Paylater Hub is a Nigerian-owned fintech company that offers a Buy-Now-and-Pay-Later (BNPL) service, allowing customers to shop for essential goods and services now and pay later through a revolving credit line and instalment payment plan.

2. How do I apply for Paylater Hub?

You can apply for Paylater Hub by visiting our website at and clicking on the “Sign Up” button. You will be prompted to fill out an online application form and submit the required documents.

3. What are the requirements to apply for Paylater Hub?

To apply for Paylater Hub, you will need to provide proof of income, proof of address, and a valid ID. You will also need to have a good credit score and meet our other eligibility criteria.

4. How much credit can I get with Paylater Hub?

The amount of credit you can get with Paylater Hub depends on your creditworthiness and income. The credit limit will be determined during the application process and reviewed periodically.

5. What are the interest rates for Paylater Hub?

Our interest rates are determined by AI and range between 3.5-10% per month, depending on the credit risk profile of the customer.

6. Can I shop at any store with Paylater Hub?

Yes, you can shop at any of our partner merchant stores, both online and in-store, after your registration has been approved.

7. How do I make payments with Paylater Hub?

To make payments with Paylater Hub, log into your account, navigate to the “Pay Vendor” section, enter the ID of the merchant you want to pay, input the amount, select your repayment plan and confirm the payment. You can typically pay in up to twelve instalments.

8. Can I increase my credit limit with Paylater Hub?

Yes, you can request an increase in your credit limit after a certain period, based on your repayment history and creditworthiness.

9. Can I postpone my monthly payment?

Yes, you can defer your principal repayment for the upcoming month, but you will need to pay the interest due for that month.

10. Is it possible to change the terms of my Paylater Hub obligation?

Yes, you may be able to request a deferral of principal repayment, an increase in the amount owed, or an adjustment to the loan term, as long as you are not in default on your payments. However, the final decision on whether to approve any restructuring requests is at the discretion of Paylater Hub

11. How do I report a problem or complaint with Paylater Hub?

If you have any problems or complaints with Paylater Hub, you can reach out to our customer support team through the support link on our website or via WhatsApp on 09098888892

12. What happens if I miss a payment with Paylater Hub?

If you miss a payment, you will incur late fee penalties. It may also negatively impact your credit score and your ability to use our service in the future. It is important to keep up with your payments to avoid any negative consequences.

13. Can I use Paylater Hub to purchase any item I want?

Paylater Hub is designed to facilitate payments for essential goods and services, such as groceries, school fees, bills, etc. However, usage of funds is at the discretion of the customer as long as it is within the terms of service and credit limit.

14. How long does it take to get approved for Paylater Hub?

The approval process usually takes between 24-48 hours.

15. How do I know if my application has been approved?

You will receive an email or SMS notification once your application has been approved. You can also check the status of your application by logging into your account on our website.

16. How can I check my credit limit and balance?

You can check your credit limit and balance by logging into your account on our website.

17. Is there a penalty for paying off my credit line early?

No, there is no penalty for paying off your credit line early. In fact, paying off your credit early will help to improve your credit score.

18. Can I use Paylater Hub to make payments for other people?

Yes, you can use Paylater Hub to make payments for other people as long as it is within your credit limit and terms of service.

19. Can I cancel my Paylater Hub account?

Yes, you can cancel your Paylater Hub account at any time. However, you will need to repay any outstanding balance before the account can be closed.

20. How is Paylater Hub different from other credit products?

Paylater Hub is a fintech company that uses AI and machine learning technology to determine interest rates and offer a revolving credit line and installment payment plan. This allows for a more flexible and affordable credit solution compared to traditional credit products and other competitors, as it offers options such as deferring repayments and restructuring loan terms.

21. Is my personal information safe with Paylater Hub?

Yes, Paylater Hub takes the security of your personal information very seriously. We use advanced security measures to protect your data and are fully compliant with the Nigeria Data Protection Bureau.

22. What should I do if I have trouble making a payment?

If you have trouble making a payment, please reach out to our customer support team as soon as possible. They will work with you to find a solution that works for you.


+234 909 888 8892

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