How to Buy Home Appliances Now and Pay Later in Ghana

By | June 7, 2023

Do you want to buy home appliances now and pay later? There is a simple way to do that and you will get to learn how to do that in this article.

Home appliances play a crucial role in our daily lives, making our tasks easier and more efficient. However, purchasing these appliances can be challenging due to financial constraints. One major annoying thing about buying appliances in Ghana is the fact that the more you gather money for them, the more the prices go up.

Thankfully, there is a solution that allows you to buy home appliances now and pay for them later. In this article, we will explore how you can take advantage of the “Buy Now, Pay Later” (BNPL) option in Ghana.

I published an article recently about how to buy the latest Samsung Galaxy phones and pay later in Ghana, which is the “Pick and Pay Later” as Samsung Mobile partners with Ecobank Ghana and MTN Ghana to help average Ghanaian smartphone lovers purchase the latest Samsung Galaxy phones and pay on installment.

Today’s post is not about the Samsung “Pick and Pay Later” — but rather about how you can buy your favorite home appliances and pay later in Ghana.

How to Buy Home Appliances Now and Pay Later in Ghana

In this simple tutorial, we will be looking at strictly online platforms that make this BNPL procedure work. I will also be giving you a few tips that will help you succeed with this style of purchasing. Below are some of the online shops where you can buy and pay in installments.

1. Credithub Ghana

Credithub Ghana provides a variety of home appliances that suit every need. From large, kitchen, hall, bedroom, and even small household appliances.

The amazing thing is whether you are government or private salary worker, you can credit. You can buy any of these appliances with a 5% interest rate and pay later. You are also given 5 solid months to spread the payment so you can pay with ease.

You can visit if you want to patronize their service.

2. Sylvamerc

If you want one of the safest options in this type of business, then Sylvamerc is the go-to option. They give you some of the best options depending on what you want to pick on the BNPL terms. Since this is a safer option, you should also prepare to go through tough verifications.

On application, you will have to provide ID, Passport photo, pay slip, bank statement, and guarantor. All these are to ensure that the company is not losing its property to you. In most cases, you will have access to purchase anything from this vendor on the BNPL terms if you are fully registered.

You can visit the official website; to learn more or even start filing your application.


Below are some common questions people frequently ask about this topic. If you have a question that has not been answered here, kindly leave them in the comment box and I will reply as early as possible.

What does “Buy Now, Pay Later” mean?

What does “Buy Now, Pay Later” mean? A1: “Buy Now, Pay Later” (BNPL) is a payment option that allows you to purchase home appliances without paying the full amount upfront. Instead, you will pay in installments over a specified period.

Are there any specific eligibility criteria for using BNPL in Ghana?

Eligibility criteria may vary depending on the retailer or service provider offering BNPL. Common requirements include proof of identification, proof of address, and a minimum income threshold. Check with the specific retailer or service provider for their eligibility criteria.

How can I find retailers or platforms offering BNPL services for home appliances in Ghana?

To find retailers offering BNPL services, you can start by visiting local appliance stores or searching online for appliance retailers in Ghana. You can also take a look at some of the ones that I listed above. Additionally, you can conduct research or use search engines to find specific options available in Ghana.


Buying home appliances and paying later in Ghana is highly possible. However, you must not that you get to pay interest on everything you purchase on credit. This might not be the option for every vendor but the majority take an interest when you buy on loan.

You should also know that you have to meet certain criteria before you will be eligible to take on BNPL loans.

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