Buy Now, Pay Later
Affordable access to essential menstrual products through Buy-Now-Pay-Later, powered by a last-mile community distribution network.
USSD · SMS · WhatsApp
Chat on WhatsAppGirlified retail partners
Pick up Girlified sanitary pads through community pharmacies, kiosks, and stores near you including Buy Now, Pay Later fulfillment partners.
The feature
Sanitary Pads when you need them, even when money is tight
Periods do not wait for payday. Girlified Buy Now, Pay Later helps women and girls in Nigeria get sanitary pads when they need them, then repay in small, manageable installments.
Sign up on USSD, SMS, or WhatsApp with your National Identification Number (NIN), no smartphone or internet required. A nearby community retailer fulfills your order, while our credit system checks eligibility and tracks repayment in the background.
The model supports local shops instead of cutting them out. To date, it has impacted over 70,000 women and girls, with over 2 million sanitary pads sold.
01
Register
Sign up through USSD, SMS, or WhatsApp using your National Identification Number (NIN).
02
Receive
Get pads immediately from a community retail partner near you, no smartphone required.
03
Repay
Pay later in small installments while our credit engine tracks eligibility and repayment.
Terms of Service
A brief summary of how Girlified Buy Now, Pay Later works. This is not a substitute for our full legal terms.
Eligibility
Access is available to qualifying users verified with Nigeria's National Identification Number (NIN), subject to Girlified's credit eligibility rules.
Access channels
You may register and request products through USSD, SMS, or WhatsApp so the service remains available with or without internet access.
Orders & fulfillment
Orders are fulfilled by community retail partners in your area. Products are released after eligibility confirmation through our platform.
Repayment
By receiving products under Buy Now, Pay Later, you agree to repay in the agreed installments. Late or missed repayments may affect future eligibility.
Credit assessment
We use a data-driven credit profiling system to automate eligibility assessment and repayment tracking, helping manage risk while expanding access.
This page summarizes BNPL-specific terms. Use of Girlified services is also governed by our full Terms of Service and Privacy Policy.