Spread your payments over several months, interest-free.

What is Motito Paylater?
"Motito Paylater" simply allows you to pay for items in installments, such as phones, laptops, electronics, and other products.

You can shop online or in-store at any Paylater retail partner and we'll spread the cost over a maximum period of 3months for you. It's just that little bit extra breathing space to make buying easier.

Buy now, pay later (BNPL) features:
Minimum Limit - GHS1,000
Maximum Limit - GHS20,000
Minimum Period - 60 days
Maximum Period - 180 days
Maximum APR - 36%
Interest-free period - 30days

Example of our Buy Now, Pay Later
- Loan Limit: GHS 1,000
- Interest-free period: 30 days
- Loan Term: 90 days
- Repayment periods: 3
- Repayment Frequency: Monthly
- Interest rate @ 5%: GHS 100
- Total cost of Loan: GHS1,100

Who can use Motito Paylater?
Paylater is available to all people who fit the following criteria:
• Live and work in Ghana
• Be at least 21 years old
• Have a valid and verifiable income paid into a bank account in Ghana

How do I use Paylater?
Download the paylater app, signup and activate your account. When shopping online select any of our retail stores on the app, browse through their inventory and call to confirm availability.

When shopping in-store, confirm the merchant supports Motito Paylater, also you will need to let the sales staff know you would like to pay using Motito Paylater.

Find Merchants
Visit the Motito Paylater Stores in app to browse all the available stores on our website to start shopping. https://motito.co/