"I got my dream phone the same day I applied. The weekly plan fits my salary perfectly — no stress at all."
Adaeze O.
Lagos • Customer
Nigeria's Most Trusted BNPL PlatformBuy Now.
Buy Now.
Pay Small Small.
OnBuy gives you the power to own the latest smartphones today and pay in easy, flexible installments that fit your budget.
- Instant Approval
- Flexible Payments
- Trusted & Secure
Join 50,000+ happy customers
who are already enjoying OnBuy
0% Hidden Fees
What you see is what you pay.
Secure Payments
Your payments are 100% protected.
Easy & Flexible
Choose a plan that works for you.
Trusted by thousands
Real Nigerians owning more with OnBuy.
Simple 3-Step Process
How OnBuy Works
Getting your dream phone has never been this easy. Follow three simple steps and start owning more today.
OnBuy
Lifecycle
Step 1
Choose Your Phone
Browse a wide range of smartphones and pick the one you love.
Step 2
Get Approved
Quick approval within minutes. No stress, no long stories.
Step 3
Pay Small Small
Make affordable payments over time and own your phone hassle-free.
- 1
Choose Your Phone
Browse a wide range of smartphones and pick the one you love.
- 2
Get Approved
Quick approval within minutes. No stress, no long stories.
- 3
Pay Small Small
Make affordable payments over time and own your phone hassle-free.
Why Choose OnBuy?
Smart Features. Smarter You.
We go beyond financing. We protect your purchase and your peace of mind.
OnBuy Trust Score
Build your score with every payment and unlock better deals, lower deposits and faster approvals.
Learn moreDevice Protection
Our advanced device lock technology keeps your device secure until you complete payments.
Learn moreRecovery Support
In case of default, our recovery network and legal support team help recover your device.
Learn moreVerified Stores
Thousands of verified OnBuy stores across Nigeria. Find one near you and complete your purchase.
Learn moreFlexible Payments
Choose a repayment plan that fits your budget. Weekly, bi-weekly or monthly options.
Learn moreYour Next Smartphone
Is Just a Click Away.
Join thousands of Nigerians enjoying the freedom of owning more with OnBuy.
50,000+
Happy Customers
1,200+
Verified Stores
98%
Approval Rate
99.9%
Uptime & Secure
Loved by Nigerians
Real Stories. Real Owners.
Thousands of customers and merchants trust OnBuy every single day. Here's what a few of them have to say.
Verified
"OnBuy is the real deal. Approval was fast, no hidden charges, and the app makes payments super simple."
Tunde A.
Abuja • Customer
"As a store owner, OnBuy doubled my sales. Customers walk in, get approved, and leave with a phone the same day."
Mrs. Chinwe E.
Onitsha • Merchant
New arrivals
200+ phones
Approved in
Under 5 mins
Phones for Every Pocket
From Entry-Level to Flagship.
Whether you want the latest iPhone or a reliable everyday Android, OnBuy's catalog has it. Pick a phone, choose your plan, and walk out with it the same day.
- iPhone 15 Pro
- Samsung S24 Ultra
- Tecno Camon 30
- Infinix Note 40
- Pixel 8
- Xiaomi 14
30+
Brands
200+
Models
₦8k/wk
Avg. plan
Built on TrustYour Money. Your Phone.
Your Money. Your Phone.
Always Protected.
We've built OnBuy on the strongest security standards in the industry — so you can shop, pay, and own with total peace of mind.
Bank-Grade Security
256-bit encryption protects every transaction and every byte of your personal data.
Smart Device Lock
Your phone stays protected with our remote lock tech until your final payment clears.
Fair & Transparent
No hidden fees. No surprise interest. The plan you sign is the plan you pay.
Licensed & Regulated
Fully compliant with Nigerian financial regulations and consumer protection laws.
Frequently Asked
Got Questions? We've Got Answers.
Everything you need to know before you buy your next phone with OnBuy.
Most customers are approved in under 5 minutes. Just sign up, complete your KYC, and we'll review instantly.
Still have questions?
Talk to our team