Buy Items And Pay Later With These 3 Apps

Have you ever wondered if you could buy a product but then not pay for it until later? I have, and it turns out there are quite a few apps and services that allow you to do just that.

In today’s world, more and more products and services are available for purchase on-the-go. I’m talking about apps that allow you to buy things like food, clothes, fitness classes, manicures, salon appointments, gift cards, and much more. With this convenience of being able to pay for items later, comes increased purchasing power without having the necessary funds to cover the payment at the time of purchase.



These apps and web services (which we will discuss) provide you with an avenue to pay for things in instalments or over time. Usually, you’ll have to start saving money in order to pay for everything with cash. But if you’d rather not do that, these 3 apps/websites can help you get things even when you don’t have cash in hand immediately.

Let’s dive in:

1. Motito

Motito Buy and Pay Later


How Motito Works

PayLater by Motito gives you the chance to buy essential items for your personal and business needs without breaking the bank. This means you’ll have access to the item you need without having to pay in full. They have a app on both the Apple Store and Google Play Store



Download the Motito App

The first and most simple step is to download the Motito PayLater app. Go to the google play store or the Apple app store.

Step 1

Sign up and verify your account

Sign up and provide your valid ID. Verification takes less than 24hrs.

Step 2

Make a Purchase

Shop at your preferred store connected with Motito and pay in installments.

Step 3

Spread payments and Pay in bits.

You’ll need to make an initial deposit before you can pick up the item. The percentage you pay upfront depends on the merchant/business you choose to buy from. Learn more about Motito here.


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2. Credit Mall


How Credit Mall Works

What you see is what you pay. When you buy from Credit Mall, there are no hidden fees. Instead, you get a simple, easy, transparent way to shop. Get started in 3 simple steps.


Select products from the Credit Mall store you wish to purchase, then add to your shopping cart.


Choose how to pay. Select the payment schedule that works for you, then confirm your loan. Credit mall doesn’t charge more than you see upfront.


Make easy monthly payments. Download the Credit Mall app or sign in at You’ll receive an email and text reminders so you never miss a payment.


Credit Mall Calculator

Before you even make a decision, you can use their calculator to estimate how much you’ll be paying each month. Check the calculator on their site:


Become a Merchant on Credit Mall

They also welcome anyone who sells products to sign up on their service. IT’s a great way to get exposure for your products so you can potentially acquire new customers.

Do you have products you want to sell with Credit Mall? Sign up to get started.


3. Buy And Pay Later Ghana


Buy And Pay Later Ghana says they’re Ghana’s No.1 Hire Purchase Shop. Buy home appliances on hire purchase or pay cash. Make a downpayment and pay the rest within 6 months at an affordable rate. This website helps you buy home appliances, phones,TVs, electronics on hire purchase.

This platform only has a website with no mobile apps yet.


How Buy And Pay Later Ghana Works


Browse and add items to your cart.


Choose to make a 70 – 80% down payment and pay the rest within 2 months on hire purchase. If you choose this, they’ll contact you for confirmation.


Before using any of these services, do keep in mind that they each add a little fee as an interest. I believe this is how they make profit for technically loaning you the money.
Have you used any of these before, or do you plan on using any? Do let us hear it in the comments.




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