We want to keep you as a customer, so please make every attempt to pay us back on time. If you find yourself in a situation that makes it difficult to make your scheduled repayment, please contact us immediately by writing to customer@paylater.ng or calling 01-631 1215.

We do our best to help our customers avoid these situations and the resulting consequences which can include:

· Suspension of your access to our lending service

· Reporting your account delinquency to multiple credit bureaus

· Involvement with external collection agencies

· Possible legal action

Remember, a positive outcome for you is a positive outcome for us, so let us assist you with work through and finding a solution to any issues you may face during the loan period.