Credit decision
Repayment period
APR — no hidden fees
Countries available
For consumers
Buy what you need today, pay over time
⚡ Instant decisions
Apply at checkout in under 10 seconds. AfriLink's credit model uses your payment history, not just a credit bureau score — so more people qualify.
🔓 No collateral required
For amounts under the small-credit threshold, no asset or guarantor is needed. Your AfriLink payment history is your application.
📈 Build your credit score
Every on-time repayment improves your AfriLink credit profile. Access higher limits and better rates over time — the system rewards reliability.
📋 Transparent terms
Exact repayment amount shown before you accept. No compound interest surprises, no penalty obscured in footnotes. What you see is what you repay.
For merchants
Increase conversion — AfriLink carries the credit risk
🛒 BNPL at checkout
Add "Pay later" as a checkout option with a single SDK call. Merchants receive full payment upfront — AfriLink collects from the customer.
🛡️ Zero merchant risk
AfriLink absorbs the credit risk. If a customer doesn't repay, that's AfriLink's problem — not yours. You get paid when the order is approved.
📊 Conversion uplift
Merchants integrating BNPL see an average 22% uplift in cart completion. Buyers who couldn't afford full price today can buy today.
🔌 Simple integration
One API call, one webhook. Works with existing AfriLink checkout — no separate merchant onboarding once you're verified.
Affordable rates. Honest terms.
Pay in 3
Split any purchase into 3 equal payments. First payment at checkout, next two over 60 days. Zero interest for on-time payers.
Pay in 30
Buy now, pay the full amount in 30 days. A grace period for when you know funds are coming.
Flex Credit
Revolving credit line up to your approved limit. Use it, repay it, use it again — transparent monthly statement.
Merchant Finance
Working capital for merchants based on AfriLink transaction volume. Apply in the merchant portal.
Your credit, your terms, your timing
Check your eligibility in under a minute. No hard credit enquiry — just log into your AfriLink wallet and see what you qualify for right now.