5 habits that grow your nxtPay credit limit
Your limit isn't fixed. Here's what moves it up, and what holds it back.
nxtPay, by nxtLaunch · Kampala, Uganda
Take it home today.
Pay in four.
Pay 25% now and the rest over three weekly mobile money payments, in shops and online. Pay on time and your limit grows with you.
3-seater sofa, UGX 850,000UGX 212,500 todaythen 3 weekly of UGX 218,450
Shoppers
Phones, furniture, groceries, a salon visit. See your limit in a day, and watch it grow as you pay on time.
For shoppers →Shops and wholesalers
A free till, an online shop and WhatsApp selling. Customers pay in four, you get the full price. Restock on credit as you sell.
For business →Credit partners
Lend to checked shoppers and shops for real goods and stock, never cash, with repayments collected by mobile money.
For credit partners →See how it works
The real app, in a few taps.
Pick it, pay 25%, take it home.
- 1See the whole plan, every date and amount, before you sign
- 2Approve each weekly payment with your MoMo or Airtel PIN
- 3Pay on time and your limit grows
Tap the items, show the QR, hand it over.
- 1A till on the phone you already have
- 2Customers pay in four, you get the full price less 6%
- 3Stock, staff and sales update themselves
Checked borrowers, real goods, your call.
- 1ID and mobile money statement checked before you decide
- 2Credit pays a checked shop, never cash
- 3Weekly repayments collected by mobile money
Credit request
Received 09:41 · respond within 24 h
Shopper
Ref NXR-7F3A · Kampala
- National ID verified
- MoMo name matches
- Statement checked
- Consent recorded
Pre-screen passed · money in, last 90 days
UGX 6,240,000
Suggested limit (30% of monthly inflow)
UGX 600,000
ApproveDecline
Signed decision · recorded on the agreement
Your credit, always there
Pay on time, and your limit grows.
Every 3 plans paid on time, your credit partner looks at raising your limit, about 25% each step. A late payment pauses it; it never vanishes.
500,000Start
620,0003 plans
775,0006 plans
970,0009 plans
Example in UGX. A licensed credit partner decides every limit.
How your limit grows →Made for the way Uganda shops
From the boda stage to the market.
Corner shopsA free till, and customers who pay in four
Boda ridersA phone or a helmet today, paid weekly
Market stallsTake MoMo, Airtel and nxtPay at the stall
ShoppersSee your limit in a day, watch it grow
Butchers and foodEvery sale counted, stock kept right
Tailors and salonsBookings and deposits, paid in four
Phones and electronicsThe big buys, in four parts
Stall ownersRestock on credit, repay as you sell
Licensed credit partners
Every limit is decided by a licensed lender, not by us.
We never hold your money
Payments go by MTN MoMo, Airtel Money or card, straight through.
Never above 2.8% a month
The cost is shown in shillings before you agree. No late fees.
Every shop checked
Registration, TIN and the owner’s ID before a shop can sell.
Learn: grow your credit
All guides »
Paid daily? Your mobile money already shows you're reliable
No payslip, no bank loan, no problem. How traders, boda riders and vendors qualify for nxtPay credit.
What is the nxtPay Trust score?
A simple 0–100 score that shows how well you use credit, and how to raise it. Coming soon to the app.