Your shortcut to getting those products you've been eyeing without blowing your budget! Get electronics, furniture, and appliances now - pay over time via chat.
Smart Buy is your financial fairy godmother saying, "Yes, you can have that dream phone or furniture - let's make it happen!"
Phones, laptops, tablets & more
Living room, bedroom & office furniture
Fridges, TVs, washing machines & more
Three flexible ways to get your products
Pay Upfront
Pay the full amount and take your product home immediately. Perfect if you have active savings and want your item now.
Pay Over Time
Take your product home now and pay in installments. Your active savings serve as collateral for immediate pickup.
Save First, Get Later
Save towards your product over time, then pick it up when fully paid. Product is reserved for you.
Four simple steps to get what you want
Explore our curated selection of electronics, furniture, and appliances via chat
Select: Early Pickup (Pay Upfront), Pay Over Time, or Delayed Pickup
Apply for the product you want and get quick approval from our team
Start making payments and enjoy your new purchase!
Having an active savings account gives you more flexibility and faster access
Your active savings serve as collateral, unlocking the best payment options and fastest approval.
No savings account yet? No problem! You can still use Smart Buy with our Delayed Pickup option.
Everyone can use Smart Buy, regardless of savings status
Quick access to small loans for your business and personal needs
We're working on bringing you fast, affordable micro-loans accessible right through your chat. Perfect for business inventory, emergencies, or unexpected opportunities.
Get notified when micro-loans launch
Naa Sika partners with licensed financial institutions and trusted vendors to bring you Smart Buy. All products are sourced from verified vendors, and financing is provided through regulated financial partners.
Don't wait to get the products you need. Smart Buy makes it easy to afford your dreams.