Shop Now, Pay Later with no Upfront Payment.

Capal is the easiest & safest way to get what you want today, and pay over time. No hassle, just Capal it.

Become a merchant

We've made it easy for you to shop whenever and pay at your own pace.

SMARTCARD TO SHOP ONLINE

MANAGE YOUR SPENDING LIMIT

PAY AT YOUR OWN PACE

How Capal Works?

Download the App

Download CapalApp from your app stores or visit our website www.capal.ng to download.

Complete the accout setup

Create an account and complete all KYC requirements. It takes less than 5 minutes to set up your Capal account.

Start paying with Capal

You will get a spending limit based on your eligibility. Shop online and instore from all verified Capal merchant. No down payment, just Capal it!

Pay later online and in-store

Whether you prefer the simplicity of online shopping or the tactile experience of visiting physical stores, our flexible payment system seamlessly supports your purchasing journey. Experience the ultimate convenience of making payments in a way that fits your lifestyle, giving you more control and financial flexibility. With our buy now, pay later solution, you can select the items you love and complete your purchase with ease. No need to worry about immediate payment or missing out on that must-have item.

Split your bill

You don't have to break the bank to clear your carts. Shop from all Capal verified merchants and stores nationwide and pay in installment up to 3 months.

Nike Airforce Low

₦ 15,000

3 months

Repayment per month

₦ 6,000

Featured Merchants

These are just a few out of all our verified merchants and stores.

Victoria's Secret

Foot Locker

Vans

Rue 21

BuyBuyBuy