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Installmental payment Questions

Installmental payment Questions

 
  • > Brand Name Products: Wide selection of high-quality merchandise from an array of product categories.
    > Low flexible Payments: Affordable, easy payments that fit within your budget.
    > No Down Payment: You will not be asked to pay any money upfront before your product ships.
    > Easy Approval: Qualify in less than 24hours upon provision of required documents.
 
  • The Zerofinance installmental payment option makes it affordable to own name brand products for low flexible payments with no initial deposit. You can add items to your basket from our wide selection of consumer goods with minimum order between N100, 000.00- N500, 000.00. This payment option is designed for those who are in paid employment within Lagos State with verifiable monthly income.
 
  • To qualify, you will need to:
    i. Live and be employed within Lagos State.
    ii. Be a confirmed staff of a reputable company.
    iii. Have a verifiable monthly income paid into an account (preferably a current account) with a commercial Bank in Nigeria.
    iv. Provide documentary evidence for 1-3.
 
  • Based on individual qualifications, your minimum order and spending limit will range anywhere from N100, 000.00-N500, 000.00.
 
  • Your product will ship immediately after you are approved and your order has been processed. Please allow 3 to 5 business days for delivery.
 
    • The basic requirements are:

  • Salary account statement
  • Proof of employment
  • Utility bill & ID Card
  • Postdated cheque/direct debit mandate on salary account.
 
    We will consider your application while accepting a direct debit mandate on your salary account (other terms and conditions may apply).
 
    We promote responsible purchasing; therefore, the value of your order is dependent on your monthly net income. You may be required to reduce your order or purchase a part of your order in cash based on your net income.
 
    All agreements are based on a maximum period of 6months (except where longer promotional terms are offered) and your payment amount will vary according to your purchase amount (Minimum of N100, 000.00 orders). Number of payments varies based on the tenor of payment as scheduled.
 
    Your payments will automatically be deducted from your salary account according to your payment schedule through postdated cheese or direct debit mandate.
 
    You can own your product and pay off your balance whenever you like. If you would like to pay off your balance or make an additional payment amount please contact us by e-mail at hello@zerofinance.com.ng.
 
    You can only have one credit order at a time. You can however, choose to pay off the balance on the existing one to access another.
 
    There are no application, processing or upfront fees.
 
    There are absolutely no hidden charges when you make a purchase with Zerofinance installmental payment. The prices you see on the pay in installment tab on our product pages are exactly what you pay for the item monthly in line with the tenor.
 
    Zerofinance installmental payment option is designed to provide individuals in paid employment an opportunity to own the highest quality brands at affordable payments. While other providers may say no, Zerofinance will often say yes. Zerofinance is not a low price leader. We encourage you to consider other alternatives that may be more advantageous to you.
 
    All enquires with regards to applications by corporate entities can be routed through our Customer Service Specialist by email at hello@zerofinance.com.ng or by phone at 08187571902 and will be treated on case by case basis.

Payment Questions

 
  • Zerofinance offers prestigious brands of consumer electronics, computers, home entertainment, mobile phones and much more! We offer the latest models from the best brands on the market.
 
      Zerofinance offers three major methods to make payments for your order.

      a. Pay On Delivery:

Cash Payment: We accept cash on delivery of your ordered item(s) only to a maximum of N100, 000.00 (One Hundred Thousand Naira Only) only. Please note, we do not accept foreign currency as payment against a Pay On Delivery order.

Point of Service (POS) Payment: We accept Visa and MasterCard using our secure POS terminals on delivery of your ordered item(s). There is no maximum or minimum limit on the transaction amount on this payment method.
 
b. Pay Online Using Debit Card We accept all cards such as VISA, Verve and MasterCard - only Nigerian cards are supported. Customers will need to key in their 16-digit Debit Card number and the 3 digit CVV Code (Card Verification Value - found on the back of the card) and complete the payment flow. All Debit card details remain confidential and private. Zerofinance and our trusted payment gateways InterSwitch, use SSL encryption technology to protect your card information.

c. Zerofinance installmental payment At the moment, this is applicable to only individuals in paid employment, who wish to spread their payments over a maximum of 6 months. For more information, check out our installmental payment policy.
 
    There are absolutely no hidden charges when you make a purchase with Zerofinance. We offer free delivery on every order above N10,000 within the Lagos Metropolis, otherwise you will be charged an additional N1000 for delivery within Lagos. The prices listed for all items are final and all-inclusive. The prices you see on our product pages are exactly what you pay for the item.

Order and Account Questions

 
    Your product will ship immediately after your order is confirmed available and your order has been processed. Please allow 3 to 5 business days for delivery.
 
    At this time orders cannot be shipped to other states outside Lagos State, Nigeria.
 
    You can check the status of your order quickly and easily online. Just click order status under My Account. You can also reach a Customer Service Specialist by email at hello@zerofinance.com.ng or by phone at 08187571902.
 
    Contact our Customer Service Specialist by email at hello@zerofinance.com.ng or by phone at 08187571902 within 24 hours of receiving the product, so we can help resolve the issue. If the shipping packaging is damaged please refuse delivery and contact us immediately.
 
    Contact our Customer Service Specialist by email at hello@zerofinance.com.ng or by phone at 08187571902 so we can help you resolve the issue. Your product may be covered by a manufacturer's warranty.
 
    You can cancel your order before it reaches the "Order dispatched" state and we will we will refund the entire amount. You can do so by contacting us by email at hello@zerofinance.com.ng or by phone at 08187571902. If your product has been dispatched but has not yet been delivered, contact our Customer Service Specialist and inform them of the same. Please note, you will be refunded only the product cost and not the delivery charge. If you have received the product, you can only cancel the order if the product received has not been opened. Also, you will only be refunded the product cost and not the delivery charge. If you have received a damaged or defective product, you can get a replacement within the return window stated on the product.

Application and Security Questions

 
    Whether you place your order and submit your application online or through our call center, you will get a response within 24hours upon submission of the required documents.
 
    Yes, we obtain credit report information from third parties. In addition, your credit information is just one of the factors that contribute to your approval. We will also take into consideration other data such as income.
 
    No, you may initially forward electronic versions/copies of your documents (where applicable) to us on hello@zerofinance.com.ng in order to commence the processing of your application. Once your application has been approved you can request that a representative visits you to pick up the original copies.
 
    We respect our customers' desire for privacy in managing their personal financial matters. We will treat your personal information accordingly. Transactions on Zerofinance are well protected. Please see our Privacy Policy to learn more.
 
    You agree that we will not be liable to you or any third party for any modification, suspension or discontinuance of our website or for any service, content, We only replace items if they are defective or damaged. If you need to exchange it for the same item, send us an email at hello@zerofinance.com.ng