Shop today, pay in fixed monthly instalments
Sign up, see what you are eligible to spend, and split your order over 2, 4 or 6 months. Here is how Credstore works for shoppers, merchants and companies.
Get startedFour steps to your first order
No paperwork, no branch visit, no waiting on a credit committee.
- 01
Onboard and get assessed
Sign up in minutes. Our AI checks your creditworthiness while you finish the form.
- 02
Shop and split payments
Buy from partner merchants and spread the cost over 2, 4 or 6 months.
- 03
Instant approval and cover
Real-time credit decisions, with 12 months of product insurance included.
- 04
Repay your way
Mobile money, card or bank transfer — with reminders before every due date.
See what you'd pay before you commit
Move the amount and the term. The full repayment schedule is in front of you before you ever reach a checkout.
- Fixed instalments — the number you see is the number you pay.
- No compounding interest and no late-payment penalties.
- Twelve months of product insurance included on every order.
Per month
GH₵2,400.00
TotalGH₵9,600.00
Illustrative only. Your final rate depends on your credit assessment.
Offer instalments, get paid upfront
Credstore takes the credit risk and handles repayments, so you can focus on the sale.
- 01
Sign up and get verified
Create your merchant account and submit your business details for verification.
- 02
Connect your checkout
Add Credstore to your online or in-store checkout. Our team helps you get set up.
- 03
Offer buy now, pay later
Give customers the option to split their payments. Credstore handles approvals and repayment tracking.
- 04
Get paid upfront
Receive payment for the sale while your customer pays Credstore in instalments.
A staff benefit repaid through payroll
Your employees shop with flexible payments, and repayments come out of payroll automatically.
- 01
Register your company
Create your company account and submit your business details. We'll verify your company and help you join the employer programme.
- 02
Enable employee access
Upload your employee details securely. Your team can then sign up and shop with flexible payments on Credstore.
- 03
Manage payroll repayments
Repayments are deducted through payroll. Track your team's deductions from your company dashboard.
Questions, answered
The things people ask before their first order.
Still stuck?
Chat, email or call — real people, wherever you are shopping from.
Shop today, pay over the months ahead
Create an account, see what you are eligible to spend, and split your first order into fixed instalments.