Stationery, Computers, Phones, Tablets, Books, Gifts, Home and Kitchen Appliances are essentials. Vanaplus now has a package which allows her customers to make purchases and pay in installments.

With VCredit, customers can now purchase any of our products and pay easily choosing the kind of payment plan that is most convenient for them ranging from 1 month to 24 months.

VCredit gives you a spending minimum of 50,000.00.

The interest rate is 4% flat (monthly) for amounts within ₦50,000.00999,000.00 and  30% per annum for ₦1,000,000.00 and above

How VCredit Works

1. Go to to identify the name and SKU number of the product(s) of your interest.

2. Go to to fill the application form. You will get a response on your application within 3 working days of submission

3. If approved, you will get an email directing you to pay the upfront deposit and shipping fee with your card or bank account online.

4. Once you’ve paid the deposit, your order is processed and will be delivered within a few days.

5. After the first month, you will be automatically debited every 30 days for the unpaid balance, for the next 3,6 or 12 months depending on the plan you choose.

  • Lending Tenor : ₦50,000₦500,000.00 (3 OR 6months)

                                  : ₦500,001₦999,000 (maximum tenor of 10months)

                                  : 1,000,000.00 & above (maximum tenor of 24months)


  • Interest rate     : 4% flat (monthly) for amounts within 50,000.00 – ₦999,000.00   

                              : 30% per annum for 1,000,000.00 and above.


Q-How do I apply for VCredit?

A- Visit

Q-Can I negotiate interest and payment plan?

A-You can negotiate your payment plan but not the interest rate.

Q-What is the minimum duration of repayment?

A-The minimum repayment duration is 1 month

Q-Will I get an email showing my repayment balance?

A-Yes, Customers get email showing repayment balance.

Q-Is this opened to customers outside Lagos and Ogun States?

A-For now, VCredit is opened to Customers within Lagos and Ogun State.