Zilla Shoppers

Zilla is a payment solution that enables you to buy what you love now, while you pay later in instalments and at zero interest.

Customers can sign up at customer.usezilla.com. It’s free and only takes 3 mins to get in.

When you successfully complete your sign-up process on Zilla, you will be given shopping credit. You can currently get up to 300,000 naira. This credit enables you to buy whatever you want and pay later.

To qualify for up to 300k shopping credit with Zilla, here's what you need.

It’s really easy. Once you have the credit in your Zilla Wallet, it can be used to purchase anything you want from any of our Merchants.

Zilla enables you to split payments in flexible instalments at checkout. Want to buy an item from a merchant that accepts Zilla? It’s as easy as ABC.

You can choose from different payment options at checkout:

No, you cannot. It can only be used in Merchant stores.

Your credit limit is based on the financial activity/financial health we are able to deduce from the bank account you connect to your Zilla account.

We currently process payments of up to 2 million naira with a maximum shopping credit of 300,000 naira.

At all your favourite merchant stores. You can check out a full list here. You can also apply for a Zilla credit card and use it at other eCommerce stores like Jumia. Learn about cardZilla here.

We don’t charge our shoppers any interest or fees on regular Zilla payments (outside of CardZilla) as long as you make your repayments on time.

Zilla merchants will start to process immediately after you make your first payment. Please reach out to the merchant to find out their own delivery policy.

We give our customers a grace period of 2 days, after which we begin to charge a 0.5% interest per day on the late instalment.

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

We need your BVN to be sure that you are who you say you are. Your work email (or other employment documents) helps us verify that you are employed, and have the means to pay us back.

You will be redirected to complete your identity verification with a selfie. Please go back to customer.usezilla.com to complete the verification.

Customers who do not have work emails can upload other proof of employment like payslips, employment letter/contract or work ID card. Please note that this method of employment verification can take up to 48 working hours, and we might reach

We do not currently serve self(un)-employed persons. We will let you know as soon as Zilla is open to everyone.

Connecting your bank account is an essential step in accessing shopping credit at Zilla. It allows us to look at your financial history, determine your financial health and how much credit to extend to you.

The third-party partner we use for assessing bank accounts does not currently support some non-traditional bank accounts.

If we are not able to determine a stable enough inflow of money into your bank account, we will conclude that you have poor financial health, and we will not be able to offer you shopping credit.

You can choose from different payment options at checkout:

Zilla needs to access your camera to take a selfie and verify your identity. If your camera did not come up, it could be because you have not granted the app camera access. You will need to reset your browser permissions. You can learn how to

Sometimes it takes a little bit of time for us to get the information 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.

If you cannot access the split payment options (pay in 2, pay in 3, pay in 4), the most likely reason is that you have not completed your credit qualification and gotten shopping credit. Please go to your account at customer.usezilla.com to

If you need to return an item you have purchased, please first inform the merchant. Depending on their return policy, we can then come in and process a refund.

If you are unsatisfied with a service or item purchased from a Zilla merchant and would like a refund, we have put measures in place to ensure that you are able to get one.

Connecting your bank account is an essential step in accessing shopping credit at Zilla. It allows us to look at your financial history, determine your financial health and how much credit to extend to you.

To make shopping with Zilla more accessible, we have launched CardZilla. This allows you to shop from any merchant that accepts online card payments, and pay back in instalments. You can find out all about CardZilla here.

Hey there 👋🏾,

No, you cannot. If you have another bank account you wish to connect to your Zilla account, you can simply go to your settings page and add the new account. Please click here for a guide on how to add a new bank account.

We are sorry to see you go. If there is anything we can help you with, please let us know. You can email us at boost@zilla.africa.

Adding your bank account to Zilla to get shopping credit is usually pretty simple. It typically works how we have detailed it here. However, if you use any of GTBank, UBA or Zenith Bank, your process might look a little bit different. It's still