Built for working Nigerians

Credit that works
when life doesn't.

Instant, dignified point-of-sale credit for groceries and critical healthcare — exactly when your family needs it most. No paperwork. No waiting. No shame.

TK
AO
FN
BB
+
12,000+ Nigerians already verified & using Grocbuy
LIVE
Good evening 👋
Tunde Adeyemi
Available Credit
₦15,000
Repayment: Nov 30 · ₦0 owed
Used ₦3,500Limit ₦18,500
Recent
🛒
Shoprite Lekki
Today, 14:32
-₦2,800
💊
MedPlus Pharmacy
Yesterday
-₦700
₦15K
Avg. credit line
60s
To generate a code
0%
Hidden fees
500+
Partner stores
4
Cities in Nigeria
How it works

Three steps to getting essentials on credit

Getting groceries or medicine on credit is as simple as sending a text — no applications, no waiting periods.

1
📱

Request a Code

Open the Grocbuy app, enter the amount you need, and choose your destination — a partner supermarket or pharmacy.

2
⚡

Receive Instantly

Your unique one-time code appears on screen in under 60 seconds.

G8K-T4P-2R9
⏱ Expires in 09:47
3
✅

Verify & Walk Out

Show your code to the cashier. They verify it in seconds. You walk out with your essentials — dignified and sorted.

✓ Verified • Shoprite VI
Zero-Trust Security

A foundation built on rigorous verification

Credit is a promise. We protect our platform and every partner with a multi-layered risk framework — verifying every user before a single naira is extended.

"By solving credit default with a robust, data-driven framework, we're building the most trustworthy point-of-sale credit platform in Nigeria."

1

Identity Verification

NIN documents, recent utility bills, and live profile pictures confirm every user's identity before approval.

2

Bank Verification

Direct API collaboration requiring a full 12-month bank statement to analyze income and financial behaviour.

3

Credit Bureau Analysis

Reports sourced from at least two national credit bureaus for a comprehensive borrowing history check.

Who It's For

Reliable people in a temporary gap

We serve the underbanked who are actually creditworthy — working Nigerians with verifiable income who just need better timing.

💼

Salary Earners

Working professionals with consistent monthly income facing the end-of-month cash flow gap.

💰
Verifiable, consistent monthly income
📉
Low-risk, predictable borrowers
🏦
Already embedded in formal banking systems
⚡
Fast approval via payslip verification
🏪

Small Business Owners

Entrepreneurs with demonstrable cash flow who need access to essentials during slow periods.

📊
Demonstrable cash flow via bank statements
🎯
Highly motivated to maintain creditworthiness
🔄
Business continuity depends on good credit
📱
Clear financial picture for approval
Join Grocbuy Today

Your credit lifeline for life's non-negotiables

Join thousands of Nigerians building a stronger financial safety net — one essential at a time.

📍 Lagos📍 Abuja📍 Port Harcourt📍 Kano

Welcome back to your financial safety net.

Access your pre-approved credit line and get what your family needs — right now, at any partner store.

⚡

Instant Code Generation

Get a store code in under 60 seconds

🔒

Zero-Trust Security

3-layer verification protects your account

🏪

500+ Partner Stores

Supermarkets and pharmacies nationwide

"Grocbuy saved us end of month. I could get food and my son's medication without waiting for payday. No stress, no shame."
FA
Fatima AdamuNurse · Abuja

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Don't have an account? Create one free →

📧
🔒
or continue with
By signing in, you agree to our Terms of Service and Privacy Policy.

Join 12,000+ Nigerians who never go without again.

Set up your account in minutes. Get verified. Access credit at partner stores nationwide — no paperwork, no stress.

✅

Free to Join

No registration fees, no hidden charges

⏱

Quick Approval

Most users approved within 24 hours

🛡

Your Data is Safe

Bank-grade encryption on all data

"I applied on Monday, was verified Tuesday, and used my code at Shoprite Wednesday evening. It was that fast and that simple."
KC
Kelechi ChukwuTeacher · Port Harcourt

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By signing up, you agree to our Terms of Service and Privacy Policy.

Good evening, Tunde 👋

Your credit line is healthy. Here's your account summary.

💳
Available Credit
₦15,000
of ₦18,500 limit
💰
Amount Used
₦3,500
↑ ₦700 this week
🛒
Transactions
14
↑ 3 this month
⏳
Next Repayment
Nov 30
17 days remaining

Credit Utilisation

Good Standing
₦0 used19% of limit₦18,500 limit
₦3,500Used this cycle
Nov 30Repayment due
100%On-time payments

Recent Transactions

View all →
🛒
Shoprite Lekki
Grocery · Code: G8K-T4P-2R9
-₦2,800
Today 14:32
💊
MedPlus Pharmacy
Pharmacy · Code: M3D-9XK-7LP
-₦700
Yesterday
🛒
Spar Ikeja
Grocery · Code: S5R-2MN-8XP
-₦4,100
Nov 10
💸
Repayment Received
Auto-debit from Access Bank
+₦11,000
Nov 2

Nearby Partners

See all →
Shoprite Lekki
Supermarket · 0.4km away
Open
Max: ₦50,000Verified ✓
MedPlus Pharmacy
Pharmacy · 1.2km away
Open
Max: ₦30,000Verified ✓
Spar Ikeja City Mall
Supermarket · 3.1km away
Closes 9pm
Max: ₦50,000Verified ✓

Generate Store Code ⚡

Create a one-time purchase code for any partner store.

New Purchase Code

₦
₦2,000
₦3,500
₦5,000
₦7,500
₦10,000
₦15,000
💡 Code expires in 10 minutes. Show it at the cashier for scanning or manual entry.
Your Code
- - - - - -
Enter amount to generate

Recent Codes

🛒
G8K-T4P-2R9
Shoprite Lekki · ₦2,800 · Used
Used
💊
M3D-9XK-7LP
MedPlus Pharmacy · ₦700 · Used
Used
❌
X7P-3RN-9QW
Spar · ₦5,000 · Expired (unused)
Expired

Repay Your Credit 💸

Settle your outstanding balance and free up your credit line.

Outstanding Balance
₦3,500
Due on 30 November 2025 · 17 days remaining
On Track Cycle: Nov 2025
Breakdown
Principal₦3,500
Service fee₦0
Interest₦0
Total Due₦3,500

Payment Amount

₦
Paying₦3,500
Remaining after₦0
Credit freed up₦3,500

Payment Method

🏦
Access Bank Direct Debit
Linked account ···· 4521 · Default
✓
💳
Debit / Credit Card
Visa · Mastercard · Verve
✓
💰
Bank Transfer
Pay via any Nigerian bank
✓
📞
USSD Payment
Dial *737# or your bank's code
✓

🛡 Secured by Paystack · Bank-grade encryption

Auto-Debit Schedule

Active
🔄
Auto-pay on due date
₦3,500 will be debited from Access Bank on Nov 30

Pay 3 days early

Slight credit score boost

Split into 2 payments

50% mid-cycle, 50% on due date

Upcoming Repayment

Nov
30
17 days remaining
13 days into the 30-day billing cycle

Repayment History

View all transactions →
✅
October Cycle
Auto-debit · Access Bank · On time
+₦11,000
2 Nov 2025
✅
September Cycle
Auto-debit · Access Bank · On time
+₦8,200
2 Oct 2025
✅
August Cycle
Manual transfer · Paid 2 days early
+₦9,500
29 Aug 2025
✅
July Cycle
Auto-debit · Access Bank · On time
+₦6,800
2 Aug 2025
🏆
Perfect Payment Streak
You've made 6 consecutive on-time payments. Keep it up to unlock higher credit limits!

Transactions 💳

Full history of your Grocbuy credit usage.

🛒
Shoprite Lekki
Grocery · Code G8K-T4P-2R9 · Verified 14:32
-₦2,800
13 Nov 2025
💊
MedPlus Pharmacy
Pharmacy · Code M3D-9XK-7LP · Verified 09:15
-₦700
12 Nov 2025
🛒
Spar Ikeja City Mall
Grocery · Code S5R-2MN-8XP · Verified 18:44
-₦4,100
10 Nov 2025
💸
Auto Repayment
Access Bank auto-debit · Cycle Oct 2025
+₦11,000
2 Nov 2025
🛒
Everyday Supermarket VI
Grocery · Code EV-7KL-3PQ · Verified 12:07
-₦6,200
28 Oct 2025
💊
HealthPlus Pharmacy
Pharmacy · Code HP-2RT-9XM · Verified 16:20
-₦1,800
25 Oct 2025

Partner Stores 🏪

Use your Grocbuy code at any of these verified locations.

🛒
Open

Shoprite Lekki

15 Admiralty Way, Lekki Phase 1, Lagos

📍 0.4km · SupermarketMax ₦50K
💊
Open

MedPlus Pharmacy

3 Admiralty Road, Lekki, Lagos

📍 1.2km · PharmacyMax ₦30K
🛍
Closes 9pm

Spar Ikeja City Mall

Ikeja City Mall, Alausa, Lagos

📍 3.1km · SupermarketMax ₦50K
🏥
Open 24hrs

HealthPlus Pharmacy

1 Adeola Odeku St, Victoria Island

📍 5.3km · PharmacyMax ₦30K
🛒
Open

Hubmart Lekki

Novare Lekki Mall, Lekki, Lagos

📍 4.5km · SupermarketMax ₦50K
💊
Closes 10pm

Reddington Pharmacy

12 Mobolaji Bank Anthony Way, Lagos

📍 6.8km · PharmacyMax ₦30K

Credit Score 📈

Track your creditworthiness and grow your limit.

Grocbuy Score
782
of 850 · Excellent
300850
↑ +12 this month

Score Breakdown

On-time RepaymentsExcellent
Credit UtilisationGood (19%)
Account AgeFair (6 months)
Transaction FrequencyExcellent

How to Grow Your Limit

✅

Pay on Time

Your repayment history is the biggest factor. Keep up the great work!

📉

Use Less Than 30%

You're at 19%. Stay below 30% utilisation to maintain your excellent score.

🕐

Build Account Age

Your account is 6 months old. Limits increase automatically at 12 months.

Notifications 🔔

Stay updated on your account activity.

Code Used Successfully

Your code G8K-T4P-2R9 was verified at Shoprite Lekki for ₦2,800.

Credit Limit Increased 🎉

Congratulations! Your credit limit has been increased to ₦18,500 based on your excellent repayment history.

Repayment Reminder

Your next repayment of ₦3,500 is due on November 30. Ensure sufficient funds in your Access Bank account.

New Partner Store Available

Hubmart Lekki has joined our network. You can now use your code there!

Repayment Received

₦11,000 was successfully auto-debited from your Access Bank account. Cycle closed.

Account Verified ✅

Your identity, bank, and credit bureau checks are complete. You're fully approved!

Account Settings ⚙️

TA

Tunde Adeyemi

tunde.adeyemi@gmail.com · +234 803 000 0000

✅ Identity Verified 🏦 Bank Linked Salary Earner

Personal Information

Update your personal details and contact info.

Notifications

Choose what you're notified about.

Code Transactions

When a code is generated or used

Repayment Reminders

3 days before payment is due

Credit Score Updates

Monthly score changes

New Partner Stores

When stores join near you

Promotional Offers

Deals and special offers

Security

Manage your account security.

Change Password

Last changed 3 months ago

›

Two-Factor Authentication

Enabled via SMS

Active

Linked Bank Account

Access Bank ···· 4521

›

Close Account

Permanently delete your Grocbuy account

›