How to Get iPhone 18 Pro Max Now and Pay Later with Credit Direct Checkout

The latest iPhone always gets people talking. From the camera upgrades to the design, there’s usually something that makes you consider replacing your current phone. Then you check the price, and suddenly, your current phone doesn’t look so bad after all.

The iPhone 18 Pro Max might be on your wish list, but spending millions of Naira on a phone at once is a big financial decision. If you’d rather not pay the entire amount upfront, there’s an option worth exploring.

This is where Credit Direct Checkout comes in. With Credit Direct Checkout, you can buy eligible products from participating merchants such as SLOT, OgaBassey, iStore Nigeria, e.t.c and spread your payment over instalments instead of paying the full amount at once.

How to get an iPhone 18 Pro Max with Credit Direct Checkout

Step 1: Check how much shopping credit you qualify for

Before heading to a vendor’s store, either online or physical, find out how much shopping credit you may qualify for.

Visit the Credit Direct Know Your Limit page and follow the instructions to check your eligibility.

You’ll need details such as your active bank account, Bank Verification Number (BVN), the phone number linked to your BVN, and a Nigerian debit card that supports online payments.

Knowing your limit helps you understand how much financing may be available before choosing a phone.

Step 2: Choose Your Phone from a Participating Merchant

Once you know your limit, visit the Credit Direct website to explore the list of merchants. Choose a store, browse its available phones and select the model and storage capacity that suit your needs.

Before proceeding, confirm the phone’s price, availability, warranty, and minimum down payment required.

Step 3: Select Credit Direct Checkout at Payment

When you’re ready to pay, select Credit Direct Checkout on a participating website, where available. If you’re shopping in person, let the sales representative know you want to use Checkout.

Follow the instructions to complete the required details and verification. Your purchase will be subject to the applicable eligibility and approval requirements.

Step 4: Make Your Initial Payment

You’ll need to pay an initial amount towards the purchase, with the remaining balance financed according to your approved terms.

The minimum down payment has been stated as 25% of the purchase price, but confirm the current requirement in your offer before proceeding.

For example, if a phone costs ₦1,000,000, and you are eligible for ₦750,000 with an approved offer that requires a 25% down payment, you would only need to pay ₦250,000 upfront. The balance will be financed with your shopping credit before any applicable interest.

Review your offer to understand the interest, fees and total amount payable.

Step 5: Choose Your Repayment Plan

Credit Direct Checkout offers repayment periods of up to six months, subject to the terms available to you. Confirm the current options when applying.

Review the repayment schedule, including the amount due and payment dates, then select an available plan that works for you.

Once your application is approved, the transaction is completed and the merchant fulfils your order, you can receive your phone and repay the balance according to your agreement.

It’s Not Just About the iPhone

Although the iPhone 18 Pro Max is a popular example of a premium phone, Credit Direct Checkout isn’t limited to that model. Customers can explore other phones available through participating merchants, subject to availability and the applicable financing terms.

Whether you’re looking for an iPhone, a Samsung, a vivo, or another phone for work, business or everyday use, you can check your shopping limit and see which options are available to you.

Getting a new phone doesn’t always have to mean paying the full price at once. With Credit Direct Checkout, you have another way to spread the cost of an eligible purchase over time.

Ready to explore your options? Visit Credit Direct’s Know Your Limit page to get started. Your next phone could be closer than you think.

About Credit Direct

Credit Direct is building Africa’s leading embedded credit company by integrating credit into the supply chains and payment flows of partners, unlocking financial success for individuals and businesses. The company also provides retail investment solutions, expanding its role from access to credit to broader financial growth and wealth-building. Credit Direct has served millions of customers nationwide, including those historically underserved by traditional banking. Credit Direct is a wholly owned subsidiary of First City Monument Bank (FCMB) Group Plc.

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