Spread the Cost

(Coming soon!!!)

Spread the Cost is really exciting – spread payment for your purchases for up to a year when you spend GHS 3000 or more. Spread the Cost is a partial payment and interest bearing option. Avoid interest by paying the full cash price within 2 weeks.

Getting Started

  1. Search “Spread the Costin the search box above.
  2. Select the spread the cost credit products you want and the repayment period of one month. This is the repayment period you will pay over, inclusive of the payment free period (2 weeks).
  3. At the checkout select “Invoice for Partial Payment” for your payment option and place your order. (NB: Make sure to give a reason for the request on the order note).



  • The payment free period starts from the date of order, including pre-orders. Exclusions will be confirmed at the point of order.
  • All home services products, delivery and installation charges, unless otherwise stated, are excluded from Spread the Cost.
  • The interest rate typically used to calculate Spread the Cost interest is …% per annum. Your interest rate will be detailed in checkout. The interest is calculated on the payment free period and the repayment period.


All Credit Payment Services

  • You can avoid interest by paying the cash price in full within the payment free period.
  • It’s important to read your statements as they detail your payment dates and include reminders.
  • If you have any non Spread the Cost purchases on your account you will still need to make at least your minimum payment as detailed on your statement.
  • Remember to allocate your Spread the Cost Payment to the specific order you wish to pay off. You can do this in My Account or by phone.
  • Allow plenty of time for your payment to reach us, some payment methods take longer than others.
  • Paying at your own pace keeps you in control. You can manage your budget by paying off small amounts along the way and settle early too before your repayment date.
  • The ability for you to use Spread the Cost will depend on how you manage your account and your credit status.
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