Came against my better judgment honestly because I wasn't sure how these credit things work, but the process was straightforward sha. The guy that attended to me explained everything about the household goods I wanted to get and the repayment plan without making it confusing. What got me most was how fast everything moved, from application to approval took maybe three days and I had the items delivered to my place in Zaria. For someone like me doing bricklaying work, having access to get things I need without saving for months is real solid.