Clay is a Buy Now Pay Later platform that provides you with the opportunity to buy products that are of interest to you and split your repayments in 3 installments for a maximum period of 3 Months.

  1. Go to www.clayafrica.online.
  2. Pick a product and add to cart
  3. Proceed to checkout
  4. Register your email address
  5. Get a verification sent to your email
  6. Go to cart and checkout
  7. Fill in billing details, confirm information and place order
  8. Link your account with Clay
  9. Choose bank and Login method
  10. Fill in details
  11. Order and Pay

After your bank log in or Bank statement upload, our system would run a credit check to determine affordability.

 

Kindly refresh after 5 minutes to get our offer.

We charge an interest rate of 0% of the outstanding amount Clay is lending to you.

We give our customers a grace of 3 days after which will charge an interest rate of 0.5% per day on the last instalment

Your BVN is required to ascertain who you are. Your work email and other employment documents enable us to verify your employment status and your means of repayment

Customers who are not able to provide work ID can upload other proof of employment such as pay slips, employment letters/contracts or work ID cards. Please note that this method of employment verification can take up to 48 working hours, and we might reach out to your employers

Linking your bank account is an important step in accessing shopping credit at Clay. It allows us to look at your financial records, determine your financial health and how much credit we can extend to you.

 Be assured that verification is all we use this information for. We don’t store your card details.

This was because we were not able to determine a steady flow of income in your bank account and we concluded that you have poor financial health and we will not be able to offer you shopping credit.

You can try connecting to other bank accounts or contact us

We put measures in place to ensure that a customer who is unsatisfied with a service/item from Clay merchant gets a refund

To put in a request for a refund, please directly contact us. 

Once we have informed the merchant of your request, and they start the process from their end, your upcoming payments will be cancelled and your down payment will be refunded within 24 working hours.

Please note that refunds are completely dependent on the refund policies of the merchant we purchase the item from.

If you have any questions regarding this or anything else, please let us know. You can reach us on 08147198097 or email us at support@clay.Africa (9 am to 6 pm Monday to Friday, and 10 am to 5 pm Saturday and Sunday).

Linking your bank account is a necessary step in accessing shopping credit at Clay. It allows us to look at your financial record, determine your financial health and how much credit to extend to you.

If you skip the initial prompt to connect your bank account, you can always go to your settings page and click on ‘Add account’ to do this.

 If you need to return an item you have purchased, you can contact the Clay team, please be aware that other factors such as the physical condition of the product and the merchant’s return policy would determine this. Depending on their return policy, we can then come in and process a refund.

 It sometimes takes a little bit of time for us to get the necessary information that we need from your bank account. In a case like this, we will inform you that we are still assessing your account, and you can check back later.

You can choose from different payment options at checkout:

  1. Pay instantly with Clay credit
  2. Pay in 3 instalments over the next months (one payment every month)

Our third-party partners that enable us to assess bank accounts don’t currently support some non-traditional bank accounts.

We do not currently serve self-employed/unemployed persons for now. We will let you know as soon as Clay is open to everyone.

We cannot access your phone contacts and will never request them. We value the privacy of our customers.

Clay will immediately reach out to you after your 40% down payment. We would need up to  24hours to process your product and deliver it to your location.

You make an initial payment of at least 40% and spread the rest over up to 3months.

You can choose from different payment options at checkout:

  1. Pay instantly with Clay credit
  2. Pay in 3 instalments over the next months (one payment every month)