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Pay in instalments with Credit Direct.
Pay 30–80% now, spread the rest over up to 6 months. Credit up to ₦1,000,000. Approval is fully digital in about 6 minutes.
How it works
- 1
Place your order and choose Credit Direct.
- 2
We create your Credit Direct order and send you a secure payment link by WhatsApp and email.
- 3
Open the link — it is checkout.creditdirect.ng — and enter your BVN and phone number.
- 4
Link the bank account your income enters so Credit Direct can confirm your limit (fully digital, about 6 minutes).
- 5
Choose your down payment (30–80%) and plan (up to 6 months).
- 6
Pay the down payment by card — your order is confirmed and we dispatch.
Terms
- Credit limit: up to ₦1,000,000
- Interest: 7.5% per month on the balance after down payment
- No Lu Gold Store fee
- Your bank may charge a small statement fee
Eligibility
- Nigerian resident, 18 or older
- A valid BVN
- Regular income into a bank account
Orders above ₦1,000,000 plus your down payment: the difference is paid as part of the down payment.
Questions
How long until I get my payment link?
We send it by WhatsApp and email within business hours: Monday to Friday 9am–5pm, Saturday 10am–4pm.
What do I need to apply?
Your BVN, the phone number linked to your bank, and access to the bank account your salary or income enters.
How much can I spread?
Credit Direct offers a credit limit of up to ₦1,000,000. You pay 30–80% as a down payment and the balance over up to 6 months.
Does Lu Gold Store charge a fee?
No. Credit Direct charges 7.5% interest per month on the balance after your down payment. Your bank may charge a small statement fee.
When is my order dispatched?
As soon as your down payment is confirmed. Same delivery options and warranty as any other order.