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How to “Buy Now and Pay Small Small”

Home / How to “Buy Now and Pay Small Small”

How to "Buy Now and Pay Small Small"

Here is a Step-by-Step Guide to buy products from Lu Gold Stores and pay small small. 
Please follow the steps below:

  1. Select your product and click on “Add to Cart”
  2.  In the “Add to Cart” Page, proceed to Checkout
  3. In the “Payment Option” section, select “Pay Small Small with CDL”
  4. Follow the Step by Step Guide following the pictures below.
PLEASE NOTE: THERE ARE TWO OPTIONS-
Option 1: Verify through bank: Following this first option will redirect you to the MONO landing page where you will need to log into your Internet or Mobile banking app. THIS OPTION IS PRIMARILY FOR GTB AND ZENITH BANK USERS.

Option 2: BVN: This is the MBS route created for all other commercial banks. Users can use this option without needing to log into your mobile or internet banking app.

OPTION 1 : Follow these steps to verify through your bank.

STEP 5 - FOLLOW THROUGH
STEP 5 - FOLLOW THROUGH
STEP 6:- Click verify through your Bank. To verify using BVN, use OPTION 2
STEP 6:- Click verify through your Bank. To verify using BVN, use OPTION 2
STEP 7:- Click on the Link Account option to allow CDL review your bank activities and determine your creditworthiness.
STEP 7:- Click on the Link Account option to allow CDL review your bank activities and determine your creditworthiness.
STEP 8:- Tick the boxes to agree and then click on continue
STEP 8:- Tick the boxes to agree and then click on continue
STEP 9:- The Mono route is created mainly for (GTB & Zenith bank customer)
STEP 9:- The Mono route is created mainly for (GTB & Zenith bank customer)
STEP 10:- Users are required to input your mobile banking or internet banking login details
STEP 10:- Users are required to input your mobile banking or internet banking login details
STEP 11:- Confirm your details are correct and insert OTP or Mobile Code as the case may be.
STEP 11:- Confirm your details are correct and insert OTP or Mobile Code as the case may be.
STEP 12:- Verify that phone numbers match.
STEP 12:- Verify that phone numbers match.
STEP 13:- An OTP will be sent to the correct number for you to input and verify in order to proceed to the next stage.
STEP 13:- An OTP will be sent to the correct number for you to input and verify in order to proceed to the next stage.
STEP 14:- Click on Next to complete the verification process.
STEP 14:- Click on Next to complete the verification process.
STEP 15:- At this stage, CDL is conducting a credit check and confirming the user's creditworthiness.
STEP 15:- At this stage, CDL is conducting a credit check and confirming the user's creditworthiness.
STEP 16:- If you’re not Eligible: We are unable to give you loan at the moment.
STEP 16:- If you’re not Eligible: We are unable to give you loan at the moment.
STEP 17:- If you’re Eligible: At this stage a loan offer will be given to you with a loan limit.
STEP 17:- If you’re Eligible: At this stage a loan offer will be given to you with a loan limit.
STEP 18:- At this stage, the app displays the user's pre-approved credit limit, Product they want to purchase, Product price, Downpayment, Loan amount, Loan tenor, and Monthly repayment amount.
STEP 18:- At this stage, the app displays the user's pre-approved credit limit, Product they want to purchase, Product price, Downpayment, Loan amount, Loan tenor, and Monthly repayment amount.
STEP 19:- Personalize your loan offer by adjusting the loan term or downpayment, or by leaving it unchanged.
STEP 19:- Personalize your loan offer by adjusting the loan term or downpayment, or by leaving it unchanged.
STEP 20:- Enter the appropriate information.
STEP 20:- Enter the appropriate information.
STEP 21:- Enter the appropriate information.
STEP 21:- Enter the appropriate information.
STEP 22:- READ BEFORE ACCEPTING. The loan offer page is displayed, containing detailed loan information and providing an option to accept or reject the offer.
STEP 22:- READ BEFORE ACCEPTING. The loan offer page is displayed, containing detailed loan information and providing an option to accept or reject the offer.
STEP 23: READ BEFORE ACCEPTING. The loan offer page is displayed, containing detailed loan information and providing an option to accept or reject the offer.
STEP 23: READ BEFORE ACCEPTING. The loan offer page is displayed, containing detailed loan information and providing an option to accept or reject the offer.
STEP 24:- READ BEFORE ACCEPTING. The loan offer page is displayed, containing detailed loan information and providing an option to accept or reject the offer.
STEP 24:- READ BEFORE ACCEPTING. The loan offer page is displayed, containing detailed loan information and providing an option to accept or reject the offer.
STEP 25:- Insert code sent to your email to confirm loan.
STEP 25:- Insert code sent to your email to confirm loan.
STEP 26:- Insert code sent to your email to confirm loan.
STEP 26:- Insert code sent to your email to confirm loan.
STEP 27: Add a debit card that would be used for down payment and monthly repayments.
STEP 27: Add a debit card that would be used for down payment and monthly repayments.
STEP 28:- Confirm that your debit card is enabled for online transactions. Confirm debit card information matches your bank details to avoid loan rejection. Ensure the card used for the down payment is the same as the one for monthly repayment.
STEP 28:- Confirm that your debit card is enabled for online transactions. Confirm debit card information matches your bank details to avoid loan rejection. Ensure the card used for the down payment is the same as the one for monthly repayment.
STEP 29:- Input your debit card details, and N50 will be debited from the card by your bank.
STEP 29:- Input your debit card details, and N50 will be debited from the card by your bank.
STEP 30: Input OTP to approve payment
STEP 30: Input OTP to approve payment
STEP 31: Proceed to make down payment.
STEP 31: Proceed to make down payment.
STEP 32: Downpayment is confirmed by Credit direct within some minutes.
STEP 32: Downpayment is confirmed by Credit direct within some minutes.
STEP 33:- Upon receipt of the down payment, Credit Direct will display a congratulatory page. Subsequently, the full product price will be sent to the merchant immediately.
STEP 33:- Upon receipt of the down payment, Credit Direct will display a congratulatory page. Subsequently, the full product price will be sent to the merchant immediately.

OPTION 2: Follow the steps below to verify with your BVN:

STEP 5:- VERIFY WITH BVN
STEP 5:- VERIFY WITH BVN
STEP 6 :- Input your BVN, your account that has constant inflow and select if the bank provided is a Salary or a Business account. This will enable CDL review your bank activities and determine your creditworthiness.
STEP 6 :- Input your BVN, your account that has constant inflow and select if the bank provided is a Salary or a Business account. This will enable CDL review your bank activities and determine your creditworthiness.
STEP 7 :- Input your BVN, your account that has constant inflow and select if the bank provided is a Salary or a Business account. This will enable CDL review your bank activities and determine your creditworthiness.
STEP 7 :- Input your BVN, your account that has constant inflow and select if the bank provided is a Salary or a Business account. This will enable CDL review your bank activities and determine your creditworthiness.
STEP 8:- Verify your phone number using the OTP sent to you.
STEP 8:- Verify your phone number using the OTP sent to you.
STEP 9:- Verify other details using the OTP sent to you.
STEP 9:- Verify other details using the OTP sent to you.
STEP 10:- Click on Next to complete the verification process.
STEP 10:- Click on Next to complete the verification process.
STEP 11 :- At this stage, CDL is conducting a credit check and confirming the user's creditworthiness.
STEP 11 :- At this stage, CDL is conducting a credit check and confirming the user's creditworthiness.
STEP 12: If you are not eligible: We are unable to give you loan at the moment.
STEP 12: If you are not eligible: We are unable to give you loan at the moment.
STEP 13: If you are eligible, a loan offer will be given to you with a loan limit.
STEP 13: If you are eligible, a loan offer will be given to you with a loan limit.
STEP 14:- At this stage, the app displays the your pre-approved credit limit, product you want to purchase, product price, down-payment, loan amount, loan tenor, and monthly repayment amount.
STEP 14:- At this stage, the app displays the your pre-approved credit limit, product you want to purchase, product price, down-payment, loan amount, loan tenor, and monthly repayment amount.
STEP 15:- Personalize your loan offer by adjusting the loan term or down-payment, or by just leaving it unchanged.
STEP 15:- Personalize your loan offer by adjusting the loan term or down-payment, or by just leaving it unchanged.
STEP 16:- Enter the appropriate information.
STEP 16:- Enter the appropriate information.
STEP 17:- Enter the appropriate information.
STEP 17:- Enter the appropriate information.
STEP 18:- The loan offer page is displayed, containing detailed loan information and providing an option to accept or reject the offer. You are required to read this page before accepting.
STEP 18:- The loan offer page is displayed, containing detailed loan information and providing an option to accept or reject the offer. You are required to read this page before accepting.
STEP 19:- The loan offer page is displayed, containing detailed loan information and providing an option to accept or reject the offer. You are required to read this page before accepting.
STEP 19:- The loan offer page is displayed, containing detailed loan information and providing an option to accept or reject the offer. You are required to read this page before accepting.
STEP 20:- The loan offer page is displayed, containing detailed loan information and providing an option to accept or reject the offer. You are required to read this page before accepting.
STEP 20:- The loan offer page is displayed, containing detailed loan information and providing an option to accept or reject the offer. You are required to read this page before accepting.
STEP 21:- The loan offer page is displayed, containing detailed loan information and providing an option to accept or reject the offer. You are required to read this page before accepting.
STEP 21:- The loan offer page is displayed, containing detailed loan information and providing an option to accept or reject the offer. You are required to read this page before accepting.
STEP 22:- Input the verification code sent to your email or phone number, then confirm your loan offer.
STEP 22:- Input the verification code sent to your email or phone number, then confirm your loan offer.
STEP 23:- Input the verification code sent to your email or phone number, then confirm your loan offer.
STEP 23:- Input the verification code sent to your email or phone number, then confirm your loan offer.
ATEP 24:- Add a debit card that would be used for down-payment and monthly repayments.
ATEP 24:- Add a debit card that would be used for down-payment and monthly repayments.
STEP 25:- Confirm that your debit card is enabled for online transactions. CONFIRM debit card information matches your bank details to avoid loan rejection. ENSURE the card used for the down payment is the same as the one for monthly repayment.
STEP 25:- Confirm that your debit card is enabled for online transactions. CONFIRM debit card information matches your bank details to avoid loan rejection. ENSURE the card used for the down payment is the same as the one for monthly repayment.
STEP 26: Input OTP to approve payment
STEP 26: Input OTP to approve payment
STEP 27: Proceed to make down payment.
STEP 27: Proceed to make down payment.
STEP 28: Down-payment is confirmed by Credit direct within some minutes.
STEP 28: Down-payment is confirmed by Credit direct within some minutes.
STEP 29:- Upon receipt of the down payment, Credit Direct will display a congratulatory page. Subsequently, the full product price will be sent to the merchant immediately.
STEP 29:- Upon receipt of the down payment, Credit Direct will display a congratulatory page. Subsequently, the full product price will be sent to the merchant immediately.

FOR ENQUIRES AND MORE INFORMATION, REACH OUT TO US @ 0816-360-0003

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