Pine.ng is a Buy Now Pay Later (BNPL) platform that allows eligible customers to purchase items today and repay in convenient monthly instalments. Payments are structured to align with your salary for easier management.

You can use Pine.ng if you are at least 18 years old, have a verifiable monthly salary, and have an active Nigerian bank account that receives your salary.

Once approved, your repayments are spread into clear monthly instalments. These are typically deducted automatically, from source and by your employer, before your monthly salary is paid, making it simple and convenient to stay on track.

No. All applicable fees and the full repayment amount are clearly shown before you confirm any purchase. What you see is what you pay.

Most eligibility checks are completed within minutes on our part. However, your employer MUST confirm your request before each transaction is accepted. You receive an instant decision after submitting your details.

On eligible items and locations, you can choose SameDay Priority Shipping at checkout. This allows you to receive your purchase on the same day while still paying in instalments.

Pine.ng operates a Zero Returns policy for completed and properly delivered orders. This helps keep the system efficient and costs low for everyone. Genuine delivery or quality issues are handled directly with the merchant.

Your purchase is financed by our trusted capital partners. Pine.ng handles the platform, eligibility assessment, and customer experience, while the capital partner funds the transaction.

Yes. Your repayment behaviour is reported to licensed credit bureaus. Making payments on time can help build a positive credit history, while missed payments may negatively affect it.

Simply download the Pine.ng app or visit the website, create an account, and complete the quick eligibility check. Once approved, you can start shopping immediately.

Yes, we work with selected capital partners who fund approved Buy Now Pay Later transactions on our platform. We originate the customers (verified salaried individuals with good credit standing), handle the application and eligibility process, and manage the customer experience, while our financing partners provide the capital for the purchases. Key points about the partnership model:

• 1. We focus on quality over volume — only customers with verifiable salary and strong repayment capacity are approved.
• 2. Repayments are structured monthly and typically linked to salary accounts.
• 3. We maintain transparent reporting and portfolio monitoring for our capital partners.
• 4. Our “Zero Returns” approach and responsible underwriting help protect portfolio performance.

• 1. Are you an individual investor, fund, or financial institution?
• 2. What approximate capital capacity are you considering?
• 3. Any preferred ticket sizes, tenors, or risk appetite?

This is the remaining Buy Now, Pay Later (BNPL) credit limit the customer can still use to buy products on instalment. It is owned by the The Financier / Platform and the Customer cannot withdraw it.

Example:
Customer has ₦500,000 limit in wallet. Used ₦320,000 → Available Credit = ₦180,000

This is the Actual money belonging to the customer (deposits, refunds, cashback, overpayments, etc.). It is owned by the The Customer and the Customer can withdraw it.

Example:
Wallet Balance = Real money the customer has with Pine.ng.

Refund on Pine.ng means returning money or credit to a customer after a purchase has been made, cancelled, or returned. A Refund is not the same as a Withdrawal.

A Refund on Pine.ng is the reversal of a purchase. It cancels the related BNPL obligation, restores the customer’s credit limit, and returns any amount already paid into the customer’s Wallet.

Here are the valid reasons why a customer should request a Refund on Pine.ng: