Buy Food, Pay Later
in Nigeria, 0% Interest

Rice, beans, garri, cooking oil and more delivered in bulk. Pay your first order in full, then unlock Pay Later just 50% today, the rest over 2 months. Transparent pricing, no hidden charges.

Civil Servant Food Credit Shop & Pay Later

Pay in 3 easy payments · Sign in

Civil servant salary deduction plan available for Oyo and Lagos States, other states coming soon

Payments via Paystack & Fincra
Transparent Pricing
Verified Suppliers

As Featured On

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Award of Excellence
Oyo State Youth Parliament — 2nd Assembly
Outstanding contributions to Agriculture & Food Security Impact · June 2026
Lending PartnerFirstBank

The partnerships we have made will help us to scale our operations rapidly. Our partnership with First Bank reduces our exposure to risk as the bank takes on the responsibility of providing the funds, creditworthiness assessment, recollection and reconciliation of loans.

How It Works

01

Choose Your Items

Browse quality food products and fill your cart with bulk packs.

02

Pay Your First Order in Full

Pay securely via Paystack. Verified civil servants skip this step and pay just 50% by card from day one.

03

Unlock Pay Later

From your next order on, pay just 50% upfront the rest splits into 2 equal payments at 30 and 60 days.

Shop by Category

Grains
Grains
9 items
Cooking Oil
Cooking Oil
8 items
Flour
Flour
8 items
FMCG
FMCG
7 items

Why Nigerians Choose FoodBank.ng

FoodBank.ng is a platform to buy food and pay later in Nigeria. Whether you need to stock up on rice, beans, garri, groundnut oil, or other staples, you can shop now and spread the cost over two months with 0% interest and no hidden fees. It is the easiest way to buy food on credit in Nigeria without visiting a moneylender or taking an expensive loan.

Your first order is paid in full to activate your account. From there, our food BNPL (Buy Now, Pay Later) plan works simply: pay 50% at checkout, then two equal installments at Day 30 and Day 60. You see the full repayable amount before you confirm no surprises. Verified civil servants unlock BNPL from their very first order. Delivery is currently available across Oyo State and Lagos State.

Civil servants in Oyo State and Lagos State get an even better deal: a salary-deducted food credit plan where repayments are automatically collected on the 25th of each month from your salary. No collateral, no guarantor. Just apply online in minutes.

0%
Interest on all food orders
53
Local Government Areas covered
₦50k
Max BNPL order (Bronze tier)

Frequently Asked Questions

How do I buy food on credit in Nigeria?

Sign up on FoodBank.ng, verify your identity, fill your cart with food items, and pay for your first order in full. From your second order onward, you unlock Buy Now, Pay Later: pay 50% at checkout and the remaining 50% splits across 2 equal monthly installments at Day 30 and Day 60. You see the full repayable amount before you confirm no surprises. Verified civil servants get BNPL from their very first order.

Is there a food BNPL app in Nigeria?

Yes FoodBank.ng is Nigeria's dedicated food BNPL (Buy Now, Pay Later) platform. Pay your first order in full, then buy rice, beans, garri, cooking oil, and other staples on credit and pay over 2 months with 0% interest. No collateral required. Verified civil servants qualify for BNPL immediately.

Is FoodBank.ng available for civil servants?

Yes. Oyo State and Lagos State civil servants can apply for salary-deducted food credit. Pay 50% upfront today, then the remaining 50% is collected via 2 monthly salary deductions on the 25th. No guarantor or collateral required.

What is the total cost of a BNPL food order?

FoodBank.ng charges a transparent service fee 10% for civil servants and 15% for open-market shoppers on the credit portion only. You see the exact total before you confirm. No hidden charges, no interest on top.

How is FoodBank.ng different from a cash loan?

Unlike a cash loan, FoodBank.ng never disburses cash. Instead, you buy specific food items in bulk directly. Once your first order is paid in full, every order after qualifies for BNPL: pay 50% now, the rest over 2 months. Your order is confirmed instantly and delivered to you.

What cities is FoodBank.ng available in?

FoodBank.ng delivers across Nigeria including Ibadan, Lagos, Abuja, Kano, Port Harcourt, Enugu, Kaduna, Benin City, Ilorin, Abeokuta, Warri, Owerri, and more. New cities are added regularly.

See all FAQs

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