Pick Now Pay Later

Upgrade Your Home Today, No Upfront Payment. Flexible Salary-Backed Instalments Available. Start enjoying premium electronics and furniture with Pick Now Pay Later (PNPL).



What is Pick Now Pay Later (PNPL)?


Pick Now Pay Later (PNPL) is an innovative lifestyle financing solution offered by Access Bank Cameroon. It allows eligible customers to buy electronics and furniture immediately, while paying later through convenient salary-backed instalments.

This product makes it easy to improve your comfort and modernise your home without financial stress.


Key Product Features

  • Loan Amount: Up to 3,000,000
  • Tenor: 6 - 12 months
  • Credit Coverage: Death, permanent disability, loss of job
  • Approval Time: Within 48 hours
  • Interest-Free Moratorium: First 3 months
  • Approved Vendor: Glotelho

Benefits of PNPL

  • Instant Upgrade: Shop premium furniture and electronics today, no waiting, no savings needed.
  • Quick Approval: Get a response within 48 hours.
  • Stress-Free Repayment: Fixed instalments deducted from your salary.
  • No Upfront Payment:  Enjoy comfort now, pay later.

How PNPL Works

  • Choose Your Items:
    Select your electronics or furniture from our approved vendor.
  • Get the Proforma Invoice:
    Submit the invoice to Access Bank with your application form and required documents.
  • Fast Approval:
    Your request is processed and approved within 48 hours.
  • Vendor Payment & Delivery:
    Access Bank credits the vendor, and items are delivered to you within 48 hours.
  • Easy Repayment:
    Instalments are automatically deducted from your monthly salary.

Frequently Asked Questions (FAQs)

PNPL is a consumer loan that allows you to buy electronics, appliances, and furniture immediately while paying later in simple, salary-aligned instalments. It makes modern living affordable with no upfront payment.
You qualify if you meet the following criteria:
  • You are a salaried employee of an approved company.
  • At least 1 year of employment with your current employer.
  • Age between 21 and 59 years.
  • You have an active Access Bank salary account.
Maximum amount: Up to XAF 3,000,000
Repayment is spread over 6 to 12 months, directly aligned to your monthly salary. PNPL offers an interest-free moratorium of up to 3 months, making it easier to start repayments.
Once all documents are provided, your application is processed quickly, and the vendor is paid within 48 hours. This ensures fast delivery of your items.
Purchases can currently be made through our approved vendor: For now, Glotelho.
To apply, you will need:
  • PNPL loan application form
  • Latest pay slips and proof of employment
  • National ID
  • Vendor proforma invoice
Your monthly instalments are automatically deducted from your salary through an irrevocable domiciliation, ensuring stress-free repayment.
PNPL includes credit insurance that covers:
  • Loss of a job
  • Death
  • Permanent disability

Get in touch with our us

Talk to us about how we could support your business, please CONTACT us on:

You can also call our Numbers:

Telephone: +237 655 55 00 22

WhatsApp: +237 679 20 06 83


Email : contactcentercm@accessbankplc.com


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