Affordable Payments That Work for You
We know life comes with responsibilities. UPA offers flexible, interest-free payment durations designed around real people.
Immediate Spread Plan
Perfect for fast cash-flow cycles, smaller gadgets, and accessories.
💡 Repayment dynamic: Own it in 30 days. Perfect for rapid repayment and quick billing closure.
Standard Balanced Plan
Highly popular. Perfect balance for mid-range smartphones and essentials.
💡 Repayment dynamic: Split your payments in half across 60 days with complete peace of mind.
Dignified Cushion Plan
Maximum duration. Spreads payments comfortably over 90 days for higher-end smartphones.
💡 Repayment dynamic: Lowest possible monthly layout, designed to fit comfortably with monthly income cycles.
The 0% Interest Difference
Traditional consumer loans add compounding interest, processing fees, and insurance charges. Here is a direct calculation of a smartphone purchase (total value ₦300,000) spread over 3 months:
| Payment Factor | Standard Microfinance Loan | UPA Installment Plan |
|---|---|---|
| Initial Downpayment | ₦0 - ₦60,000 (Varies) | ₦60,000 (Fixed 20%) |
| Monthly Interest Rate | 4.5% - 8.0% Monthly | 0.00% (No Interest) |
| Hidden Admin / Setup Fees | ₦15,000 - ₦30,000 | ₦0.00 (None) |
| Total Out-of-Pocket Paid | ₦380,000+ | ₦300,000 (Exactly Original Price) |
Partner With UPA
Are you an authorized vendor selling quality smartphones, appliances, power equipment, or furniture in Nigeria? Partner with UPA to list your inventory! We increase your sales conversion rates by letting customers pay small small, while paying you, the merchant, 100% upfront value.