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Pay Small Small With Specta

You can now buy products from Lu Gold Store and Pay Monthly at 0% Interest using Specta by Sterling Bank.

  • Same Day Delivery or Pickup of Products
  • Repay monthly between 2 to 12 months
  • Get cash back if you do not exceed your spending limit.

Get The Latest Appliances At the Lowest Prices

Lu Gold Store sells Electronics and Appliances from all the Major Brands used in your homes and offices.

We are pleased to inform you that not only do we have the lowest prices nationwide, but also all our over 1800 products are delivered/picked up directly from the Brand Showrooms and Warehouses. 100% Original and Full Warranty.

Now, thanks to our partnership with Sterling Bank and Specta you can now order items from Lu Gold, pay in instalments at 0% Interest and have your order fulfilled the same day. 


Start and Finish in 3 Basic Steps



Sign up for Pay with Specta on the Specta website by clicking the button below.



Follow the steps on the Specta website to get your digital spending limit that you can use on Lu Gold Store. Your limit is valid for 3 months and can be renewed if not used.



To finalise your transaction, provide your Specta ID on the Lu Gold Store checkout page or directly to our finance team. Your order will be processed and delivered.




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  • Original Products

  • Lowest Price Nationwide

  • Buyer Security

Direct From The Brand, No Sub-Dealers.

When you order a product on Lu Gold Store, you are picking up directly from the Brand Warehouse or Showroom in your city. We work only with the sole authorised distributor for that brand, we do not engage dealers or sub-dealers.

This means you are guaranteed 100% brand new Original products with full warranty terms.

To see a list of all the Authorised Brand Distributors in your city, Click HERE

Ifeoluwa Kehinde (Crosshatch Media) Abuja

Reliable & Consistent

We've been buying all our appliances from Lu Gold Store for quite some time. We discovered them when they printed some flyers at our media office. We ordered 2 Standing AC Units and a TV for the office. We told them we saw a lower price on Jumia. They said it was an older model but still matched it with a lower price. Item was delivered to our office the same day and also installed for free.

Elvira Lagos

Shipped from Abuja

I wanted the Hisense side by side Refrigerator. Stock had finished in Lagos but they had in Abuja. They put it on a truck and sent it to me from Abuja to Lagos for just 4k. Picked it up at ABC 3 days later. Was still cheaper than Spar in Lagos.

Dejavu Home Cinema & Interiors Abuja

Great Price

We needed 5 Ceiling Mount Air conditioners for a cinema room. A friend introduced us to Lu Gold Store. We visited the site, chatted with them on whatsapp, they placed an order and raised an invoice within 15 mins. 30 mins later we were at the LG Warehouse at IDU. Saw the items, made the transfer and left all within half an hour. Strangely their prices were even lower than the LG showroom prices.

Elizabeth Offiong Abuja


Ordered an item (Scanfrost Microwave) from Lu Gold store for the first time, even though i was worried about delivery, given the current circumstances . I'm highly impressed by their quick response to order confirmation and steady update on status of product delivery. They also delivered sooner than i expected. I am very satisfied with the product i ordered. .

Absolutely! Expect quick delivery and great customer service relationship.

Helen Ndikanwu Abuja

Affordability meets Quality.

I was introduced to LU Gold by someone who came to fix the new apartment i got in Utako. I had already bought my airconditioner before getting their number. When i called, they were friendly and advised me on the best option to get for the items i wanted. They have the best customer care, best prices, never got price for items cheaper any where else. The best part is, they are always ready to give support when ever it is required.

Yes of course. LU gold is affordability meets quality.

Open chat
Hi, my name is Chinenye, a sales rep with Lu Gold Store.

I'm available to chat on whatsapp to answer any questions and help you place an order.