nxtPay for shoppers

Take it home today. Pay in four.

25% now, then three weekly payments by MTN MoMo or Airtel Money. In checked shops across Uganda, online and at the counter.

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UGX 212,500 today

  1. Today212,500
  2. Week 1218,450
  3. Week 2218,450
  4. Week 3218,450

Interest UGX 17,850 (2.8% of the UGX 637,500 you pay later) · total UGX 867,850. No sign-up fee, no late fee.

An example. Your exact plan is shown before you sign.

What is nxtPay?

nxtPay lets shoppers in Uganda take things home today and pay in four parts: 25% at checkout, then three weekly payments by MTN MoMo or Airtel Money. Interest is 2.8% of the amount borrowed, shown in shillings before you sign. Licensed credit partners provide the credit; nxtPay runs the app and never holds your money.

Your credit, always there

Pay on time, and your limit grows.

It stays with youOnce you have a limit, it’s there every time you shop. Pay off a plan and that money is free to use again.

It grows every 3 plansPay 3 plans on time and your credit partner reviews you for the next step, about 25% more. Wallet shows how close you are.

A late payment pauses it, it doesn’t vanishCatch up, pay on time from there, and you carry on growing. We remind you before every payment.

See it before you applyWallet shows what you could be eligible for, from your nxtPay orders or the mobile money statement you share.

3 plans paid on time → limit UGX 620,000

Example starting at UGX 500,000. A licensed credit partner decides every step.

How it works

Four steps. Tap each one.

Where you can use it

Everyday things, and the big ones.

Questions shoppers ask

Who can use nxtPay?

Adults in Uganda with a mobile money number and a national ID. You verify once in the app and see your credit limit.

What does it cost?

Interest is 2.8% of the amount you borrow (the 75% after your first payment). It's shown in shillings before you sign. There are no sign-up fees and no late fees.

How do the weekly payments work?

We send a MoMo or Airtel prompt on each due date; approve it with your PIN. You can also pay early, or pay off the whole plan at once, in the app.

What if I miss a payment?

You get reminders and a 3-day grace period. If a payment stays unpaid you can't start new pay-in-4 plans until you catch up, but you can still pay in full.

Can someone else pay the first 25%?

Yes, from any number. The credit stays in your name and you repay it.

What if I return the item?

Within 7 days of delivery, ask for a return in the app. If it's accepted the plan is closed and everything you paid comes back to your mobile money.

Do all shops offer pay in 4?

Most do. Products show a green nxtPay price when you can pay in four, or a yellow price when the shop takes full payment only.

How much credit could I get?

Open Wallet in the app: before you have a limit, it shows what you could be eligible for, from your nxtPay orders or the mobile money statement you share. It is an estimate; a licensed credit partner decides.

How does my limit grow?

Every 3 plans you pay on time, your credit partner reviews you for the next step, about 25% more. Wallet shows how close you are. A late payment pauses the climb; your credit partner has the final say.

Who provides the credit?

Plans are funded by licensed credit partners named on your agreement. nxtPay runs the platform and never holds your money.

See what you could get.

Short guides on how limits grow: Learn · Credit terms

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