Buy Now, Pay Later Gadgets in Nigeria (2026): How Nigerians Are Still Affording Phones & Laptops

When most Nigerians checked the prices of gadgets recently, shock was an understatement. Phones that used to feel “reachable” suddenly looked expensive. Laptops jumped overnight. And the major reason was clear: the 7.5% VAT is now applied to electronics under the new tax reforms.

For many people, the question quickly became:

“How do people even afford gadgets now?”

This is exactly why Buy Now, Pay Later (BNPL) options are becoming the smartest way to buy phones, laptops, and other electronics in Nigeria in 2026 — without draining your salary or savings.

What Changed in 2026? (Why gadgets cost more now)

Under Nigeria’s updated tax framework, electronics now attract a 7.5% Value Added Tax (VAT). That means:

• A ₦1,000,000 phone now costs ₦1,075,000

• A ₦2,000,000 laptop now costs ₦2,150,000

It’s not that gadget sellers are wicked; it’s the tax.

But here’s the good news
You don’t have to pay everything at once.

Buy Now, Pay Later Gadgets in Nigeria: How BNPL Actually Works

Buy Now, Pay Later (BNPL) lets you:

• Take your gadget home immediately

• Pay in small small instalments

• Spread the cost over 3–6 months

• Avoid pressure on your monthly income

Instead of struggling to pay ₦ 1m or more upfront, you break it down into manageable payments.

This is why BNPL gadgets in Nigeria are trending heavily in 2026.

Read: How Nigeria’s 2026 Tax Reforms Affect Gadget Buying and Easy Ways to Pay in Instalments

BNPL Options Available on Aura Shop Africa

Aura Shop Africa partners with trusted Nigerian BNPL providers so customers can buy confidently and legally.

1. CredPal (Most Popular Option)

• Pay in 3 to 6 months

• Zero or low interest (depending on eligibility)

• Widely accepted in Lagos, Abuja, and Port Harcourt

• No need to empty your account at once

2. Credit Direct

• Flexible gadget financing

• Suitable for higher-value items like laptops

• Structured repayment plans

• Ideal for working professionals and Small business owners

These BNPL options help you absorb the 7.5% VAT gradually, instead of feeling the full impact instantly.

Can You Buy Phones or Laptops on Credit Without Stress?

Yes. If you shop from the right store.

Buying gadgets on credit in Nigeria can be risky if:

• The seller is not verified

• There’s no warranty

• The product turns out to be fake

This is why Aura Shop Africa stands out.

Do I need a TIN to buy any gadget? Read here to find out 

Why Nigerians Trust Aura Shop Africa for BNPL Gadgets

✔ 100% verified gadgets
✔ Official warranties included
✔ Transparent pricing (VAT clearly stated)
✔ BNPL partners are regulated & trusted
✔ Delivery across Lagos, Abuja & Port Harcourt

No “customs wahala”.
No fake products.
No hidden charges.

You know exactly what you’re paying — and how you’re paying it.

Does BNPL Affect Your Credit Score in Nigeria?

Yes — but in a good way.

If you:

• Pay your instalments on time

• Stick to agreed repayment plans

It can actually improve your credit profile, making it easier to access future financing.

But missed payments can affect eligibility, so always choose a plan you can comfortably handle.

FAQs

1. How do the 2026 tax reforms affect phone prices at Aura Shop Africa?

Gadgets now attract a 7.5% VAT, which increases final prices. However, BNPL options allow customers to spread this extra cost over months, making gadgets more affordable.

2. Which BNPL apps work with Aura Shop Africa?

Aura Shop Africa currently partners with CredPal and Credit Direct, offering 3-, 6-, and 12-month instalment plans on phones, laptops, and other electronics.

3. Can I get a laptop on credit without a salary account in Nigeria?

Yes. Eligibility depends on the BNPL provider. CredPal and Credit Direct assess customers differently, so you may still qualify even without a traditional salary account.

4. Is Buy Now, Pay Later safe for gadgets in Nigeria?

It is safe only when used with verified stores. Aura Shop Africa ensures genuine products, valid warranties, and transparent BNPL terms.

5. Do BNPL prices include VAT?

Yes. The VAT is included in the total price and then spread across your instalment payments.

How Nigerians Are Still Buying Gadgets in 2026

Gadget prices may be higher in 2026, but smart Nigerians are adapting — not panicking.

Instead of:

• Waiting endlessly

• Borrowing urgently

• Or risking fake products

They’re using Buy Now, Pay Later gadgets in Nigeria to stay connected, productive, and financially sane.

• Explore BNPL options on Aura Shop Africa

• Pay small small

• Get original gadgets, stress-free