Buy Now, Pay Later — The Spark Way
Access the gadgets, appliances, and lifestyle essentials you need today, and spread your payments over time with Spark Lyfestyle.
See How Affordable Your Purchase Can Be
Use our interactive calculator to plan your BNPL purchase
See how affordable your purchase can be
Estimated Monthly Installment
₦0
*Figures are estimates. Final offer depends on product and eligibility
Apply NowQuick Pre-Qualification
Check your eligibility in under 2 minutes
Quick pre-qualification in under 2 minutes
Shop Today, Pay Tomorrow
Spark Lyfestyle makes life easier by giving you access to phones, laptops, household appliances, and lifestyle essentials without paying everything upfront.
Instead of waiting, you can shop today and pay in manageable installments — fully transparent and designed to fit your monthly income.
24-48h
Quick Approval
Why Choose Spark Lyfestyle?
Key features that make us the preferred choice for BNPL
Wide Product Range
Phones, laptops, appliances, lifestyle items
Flexible Tenure (3–12 months)
Choose what fits your budget
Transparent Fees
No hidden charges, clear repayment plan
Fast Approval
Apply and get approved in as little as 24 hours
Common Use Cases
Discover what you can buy with Spark Lyfestyle
Smartphones & Laptops
For work or school
Home Appliances
Refrigerators, freezers, washing machines
Electronics & TVs
Home electronics and appliances
Furniture & Lifestyle
Furniture & lifestyle products
Eligibility & Documents
Required Documents
How It Works
Simple steps to get your Spark Lyfestyle BNPL
Choose Your Product
From approved vendors or your quotation
Apply for Spark Lyfestyle
Via web, USSD, or mobile app
Approval (24–48h)
Receive repayment schedule & terms
Take Home Today
Spark pays vendor; you pay in installments
Why Choose Spark Lyfestyle?
- Shop now, pay later — without stress
- Transparent repayment plans
- No collateral required
- Perfect for both personal and household needs
What Our Customers Say
Real experiences from customers who trust Spark Lyfestyle
Chidera
University Student
“I got my laptop through Spark Lyfestyle. Easy approval, simple monthly payments.”
Bola
Civil Servant
“Instead of saving for months, I got my fridge right away. Repayments are smooth and affordable.”
Frequently Asked Questions
Get answers to common questions about Spark Lyfestyle
What items can I buy with Spark Lyfestyle?
Phones, laptops, appliances, and lifestyle essentials from approved vendors.
Do I need collateral?
No. Repayment is tied to your verified income source.
How long does approval take?
Typically 24–48 hours.
How do repayments work?
You pay monthly installments as per your repayment schedule.
Can I pay off early?
Yes. Early repayment is allowed without penalties.
Compliance & Trust
FCCPC & NDPC Compliant
Fully compliant with Nigerian financial regulations
Transparent Pricing Policy
No hidden fees policy
Vendor-Vetted Ecosystem
Quality standards and vetting processes
Enjoy What You Need Today — and Pay at Your Own Pace
Join thousands of Nigerians who have made their purchases with Spark Lyfestyle. Get what you need now and pay comfortably over time.