How It Works

1️⃣ . Add Items to Your Cart – Select all the products you wish to purchase.
2️⃣ . Choose "Buy Now, Pay Later" at Checkout –

• Send your order directly to our WhatsApp number 08160670531 (also available at the bottom right of our website).

• Our team will review your order and send you a payment link via WhatsApp.
  3️⃣ Loan Approval & Payment – Continue with the loan approval process to finalize your order.

• If your loan is approved, we will process your order and deliver it within 24 hours.

• This service is available only for all commercial banks
  4️⃣ . Fill in Your Loan Details

• Provide necessary personal and bank details.

• Ensure your account is active with frequent transactions.

• Receive your approved loan limit within 10-20 seconds.
  5️⃣ Select Your Repayment Plan

• Accept the loan offer and add your repayment method (active debit card).

• Make a down payment (30%-80% of the total amount) to Credit Direct.

• The remaining balance will be spread over 1-6 months at 7.5% monthly interest.
  6️⃣ Order Confirmation & Delivery

• Once the loan is approved, Essentialsbyrv receives full payment, and your items will be delivered promptly!

Loan Terms & Conditions

✅ Down Payment: 30% - 80% of the product price
✅ Loan Limit: ₦35,000 – ₦3,000,000 per customer
✅ Loan Tenure: 1 – 6 months
✅ Repayment Method: Debit Card & Bank Account
✅ Interest Rate: 7.5% monthly

Eligibility Requirements

✔ Active Bank Account (Frequent transactions for at least 6 months)
✔ Good Credit History (No outstanding bad loans)
✔ Valid Debit Card (For online transactions)
✔ GTBank & Zenith Bank customers must have their mobile or internet banking login details for verification.

🚫 Note: Microfinance bank accounts such as Opay, Moniepoint, Palmpay, etc., are not eligible for this service

Frequently Asked Questions (FAQ)

📌 Can I visit your office to apply?
No, the entire process is done online within 5 minutes. However, you can visit our office if you need assistance.

📌 What if I’m not eligible for the loan?
You can apply using a family member's or friend’s bank account and complete the repayment through them. Alternatively, you can retry after 20 days.

📌 Who can apply?
Both salaried and non-salaried individuals with a verifiable bank statement.

📌 Can anyone in Nigeria apply?
Yes! This service is available nationwide.

📌 If I have an existing loan with another company or a poor credit history, can I still apply?
Your application may be limited if you have outstanding loans or poor credit history. However, you can still try your luck.

📌 Do I need to pay a deposit before applying?
Yes! You must have at least 50% of your total budget before applying. Failure to do so will result in an automatic system decline.

🚨 WE DO NOT GIVE CASH LOANS – ONLY PRODUCT FINANCING

Before You Apply, Ensure You Have:

✔ A steady inflow of funds (salary or business transactions) for the last 6 months.
✔ At least 50% of your total purchase amount is available before applying.
✔ A good credit report (no outstanding debts with banks or lenders).

📢 IMPORTANT: If your loan approval amount is lower than your order total, you will need to cover the balance yourself or adjust your order to fit within the approved loan limit.

How to Proceed:

✅ Read the FAQs
✅ Determine your budget & ensure you have 50% upfront
✅ Request a payment link to proceed
✅ Complete your loan registration
✅ Once approved, we will process and deliver your order!

For more details or assistance, contact us today!