Budgeting made easy to meet other needs.
...with instant delivery, buy items on credit. Pay small small in four installments
Pay for Everything Easily
Buy now, pay later for items to reach other needs that matter, Pay back with 0% interest rate.
...with instant delivery, buy items on credit.
Buy now, pay later for items to reach other needs that matter, Pay back with 0% interest rate.
Wavebudget is easier , affordable, faster and reliable
Easy Registration in 10 minutes!
- Basic information
- Two STN guarantors
- Choose a savings plan
0% interest on loan repayments
Buy items at 8% markup price and payback in 4 minutes free installments.
Instant delivery/ Pickup of items
Receive your purchased item instantly upon making initial payment.
Manage and support your budget in 4 simple steps
Select product and installment plan
Select items from wavebudget store or from any local store near you, and generate the installment price for it. Usually 8% markup of the market price.
Get loan per-approval from your guarantor
Select two trusted customers from your social trust network (STN) to guarantee your loan request.
Pay 50% with instant delivery
Pay 50% of the items installment price upon guarantors pre-approval is confirmed and get the items delivered to you instantly or you pick it up from the store.
Pay balance in three months or less
Pay back the loan as scheduled at 0% interest rate, usually 2 months for zero pay and 3 months for flexi pay service.
Our services
zero pay: Buy items on credit with no initial payment!
- Payback in 2 months
- Instant delivery / pick up
- Buy on credit from WaveBudget store or from any store near you.
Maximum loan of 100,000 Naira
flexi pay: Buy items on credit with just 50% initial payment!
- Maximum loan up to 700,000 Naira
- Buy on credit from WaveBudget store or from any store near you.
Split payment in 4 interest-free installment
save to buy: Save small small at your convenience to buy items on wavebudget
- Manage your shopping budgets on the go
- Enjoy up to 10% discount on your purchase
- Save towards your shopping expenses seamlessly
“Thank you for initiating a Buy Now Pay Later platform.Thank you for making it easier to use your platform for solving a pain point.’’
100,000Naira
Kaduna
“Thank you for initiating a Buy Now Pay Later platform.Thank you for making it easier to use your platform for solving a pain point.’’
50,000Naira
Niger
“Thank you for initiating a Buy Now Pay Later platform.Thank you for making it easier to use your platform for solving a pain point.’’
60,000Naira
Lagos
SOCIAL TRUST NETWORK (STN)
Bank on your TRUST to access affordable loans
Built on Trust: Leverage the trust of your friends and family who are wavebudget customers to gain access to affordable loans through STN.
STN Group: Built on Trust: Leverage the trust of your friends and family who are wavebudget customers to gain access to affordable loans through STN.
Fast Approval: Request pre-approval from your STN GROUP members and get a loan in less than 5 minutes
Financial Discipline: Be consistent with your loan repayment and GAD savings (guaranteed amount deposited) to qualify for higher loans
If your friends and family can trust you, then we can trust you too.
GAD savings (guaranteed amount deposited)
Let your savings save you!
Save with us to seamlessly improve your savings culture and access affordable loans to support your financial needs. Select a savings plan today and be consistent towards it.
We can’t wait to start supporting your shopping budget
Shop on credit from stores near you, with immediate item pickup/delivery
frequently asked questions
1. what is Wavebudget?
Wavebudget is a Consumer Credit Provider who helps individuals to access affordable credit through a flexible payment platform to manage their financial well-being in an Easy way.
2. When was Wavebudget established?
WaveBudget Limited began its first operation in May 2021, with a few volunteers.
3. Why should I trust Wavebudget?
Wavebudget was registered with the Corporate Affairs Commission (CAC) on July 21, 2022, Since then we have served over 300 customers, we have disbursed more than 8 million in loan.
4. What service did Wavebudget render?
We offer affordable and seamless credit to support individuals shopping bill’s payments.
5. How can I buy items from Wavebudget?
You can buy directly from Wavemart (our E-commerce store) or buy on credit from any other stores.
6. You can buy directly from Wavemart (our E-commerce store) or buy on credit from any other stores.
Wavebudget has 3 payment options which you can pay for any items you bought through Wavebudget.● Full Payment: Buying items from our E-commerce platform and pay in full. ● Buy Now Pay Later: Wavebudget gives up to N700,000 credit to buy any item on credit from any store of your choice, and pay small small in 3 or 5 months instalments at 0% interest rate. ● Save to Buy: Save small small at your convenience to buy your desired items, get the item delivered to you once you save up the item’s price.
7. How does Wavebudget Buy Now Pay Later service works?
Wavebudget offers you up to N700,000 to buy on credit with at least 50% down payment (upfront) and pay the remaining in 3 months at 8% markup fee or in 5 months at 12% markup fee all at zero interest.
8. How can I get started to use Wavebudget Buy Now Pay Later service?
● Register with your basic information ● Select item from Wavebudget store or from any store of your choice. ● If you are getting it from another store, Wavebudget will generate the installments payment for you instantly with 8% markup fee if you are paying back in 3 months or 12% if you are paying back in 5 months. ● Select two Social Trust Network (STN) member to guarantee their credit purchase. It can be anyone, your family members or friends. ● Pay 50% upfront payment of the instalment price. ● Wavebudget purchases the item and get it delivered to you. ● Pay back the remaining balance in an interest free installments for 3 months/5 months.