Get Your Dream Smart Device Today

Pay later with flexible plans that fit your income. No collateral, no stress, just smart financing.

No hidden fees

Instant approval

Flexible payments

How It Works

Get your smartphone in 3 simple steps. Our process is fast, secure, and designed for you.

Download our app and complete your application in under 5 minutes. No paperwork, no branch visits.

Our smart system reviews your application instantly. Get approved in minutes, not days.

Choose your smartphone and payment plan, then pick it up in-store or get it delivered within 24-48 hours.

We're building trust through transparency, security, and putting your needs first.

Clear breakdown of all costs. No hidden fees or surprise charges ever.

Choose daily, weekly, or monthly payments that fit your income perfectly.

Fully licensed and regulated with bank-level security for your protection.

Dedicated customer service team ready to help whenever you need us.

Join thousands of Nigerians who've upgraded their devices with our flexible financing

Application takes less than 5 minutes.

Get the Android app directly, no Play Store required. Scan the QR code with your phone or tap the button to download the APK.

Scan with your Android phone's camera to download

Secure, verified download from EssencePay

1
Download the APK
Tap the "Download for Android" button above, or scan the QR code with your phone's camera.
2
Allow installs from this source
When prompted, go to Settings > Security (or "Install unknown apps") and allow your browser or file manager to install apps.
3
Open the downloaded file
Open the "Notifications" panel or your Downloads folder, then tap on Essencepay_app.apk.
4
Install & open
Tap "Install", wait for it to finish, then tap "Open" to start using EssencePay.