Make purchases and spread payment overtime(Powered by Specta & CredPal).

At Just Fones, we want to help you possess the right products to help you lead more enriching lives. That’s why we offer "Buy Now. Pay Later" finance option to provide you with an easy flexible Monthly Payment Scheme. This finance package allows us to make the lifestyle you want more affordable for you.

 

Pay Small Small by Specta(Temporarily suspended.)

Signup here, provide all required information, get your spending limit, and paywithspecta.

Already have an account?

Login here and paywithspecta & choose your repayment option to conclude your purchase.

 

Requirements By Specta

Who is eligible? Salary Earners & Business owners

To get your spending limit, click “SignUp” to start your journey.

To sign up, Sterling collects your basic information and sends an OTP to the phone number attached to your BVN. Login to your dashboard to continue.

From your dashboard, click “Get your spending limit” and follow the 3 easy steps to get your limit instantly.

  • Fill in your personal information
  • Complete your bank information
  • Provide your account information

(If you are new to Sterling, get your passport photograph, utility bill, signature, and valid means of identification ready as you will need to upload it to open an instant online account)

 

To get a spending limit:

  1. You must have a good credit history.
  2. You need 6 months of consistent cashflow (your Bank would charge you for your Bank statements)
  3. All outstanding obligations with financial institutions would be considered.
  4. The maximum spending limit is N2,000,000.00 (Two Million Naira)

To start utilizing your spending limit:

  1. Login to your dashboard to tokenize the debit card linked to the bank statement submitted for review.
  2. If you are new to Sterling bank, KYC documents (e.g. references, address verification) need to be verified. This usually takes 48 hours to complete.
  3. With your Specta ID, you can make purchases at our store (in-store or online)

 

NOTE: The interest rate is 2% per month & 2% insurance per annum.

Repayment Duration: 0 - 3 months (Interest-free) & 7 - 12 months(with interest).

Other Eligible Banks for PaywithSpecta

You can also enjoy the benefit of spreading payment over 12 months using Specta if you use any of these banks: Access, Zenith, Ecobank, FCMB, Fidelity, Heritage, Keystone, Polaris, Providus, Stanbic IBTC, UBA, Union, WEMA, & GTBank.
 

How to Shop Online

When you visit our online store, pick all your products and simply check out with PaywithSpecta.

Enter your Specta ID and choose tenor for repayment to proceed. The tenor range is between 0 to 90days (Interest-free) and 7 to 12 months with interest.
An OTP would be sent to the phone number attached to your BVN. Input the OTP to complete the transaction.
Your account with Sterling would be credited and the funds moved instantly to us (Just Fones) for the purchase you made.
An offer letter would be sent to your email showing the terms and conditions of the loan.

 

How to Shop in-store

When you visit our physical store, pick all your products and pay with Specta at the counter.

Provide your Specta ID to our agent and choose a tenor for repayment to proceed. The tenor range is between 0 to 90days Interest-free and 7 to 12 months with interest.
An OTP would be sent to the phone number attached to your BVN. Provide the OTP to the agent to complete the transaction.
Your account with Sterling would be credited and the funds moved instantly to us (Just Fones) for the purchase you made.
An offer letter would be sent to your email showing the terms and conditions of the loan.

Note: You must be physically present in our store to carry out the in-store transaction. Do not share your Specta ID and OTP over the phone.

 

For more information on this finance option click here or contact us via email at [email protected] or via phone on 08028881115

 

 

Pay Small Small by CredPal

Signup here, provide all required information, get your credit limit, and complete your purchase.

Already have an account?

Login here & choose your repayment option to conclude your purchase.

HOW TO SIGN UP ON CREDPAL APP:

1. Download the app on Google Play store or iOs app store

2. Provide the required documents.

3. Wait for a credit limit and loan limit approval.

4. Once you have been offered a credit limit, activate your account and start spending.

Need help with registration? Please WhatsApp(ONLY) us on 09019902387.

Requirements by CredPal For Salary Earners

Latest 6-months bank statement of your salary account in PDF format.

Letter of employment.

Work ID Card.

Government-issued ID Card.

BVN registration details.

Requirements by CredPal For Self-Employed Customers

Automated 6-months bank statement.

C.A.C document.

Work ID Card.

Government-issued ID Card.

Business address & home address.

BVN registration details.

 

NOTE: Interest rate - 3.8% per month.

Repayment Duration: six (6) months.

For more information on this finance option click here or contact us via email at [email protected] or via phone on 08028881115