Device finance marketplace · Nigeria
VistaLock connects licensed financing partners, merchants, dealers, and agents — so customers across Nigeria can buy smartphones on installment with automated repayments and device-backed collections.
VistaLock provides BNPL technology infrastructure. Loan funding and credit decisions are provided by licensed financing partners, subject to eligibility and approval.
Agent sale flow
Smartphone BNPL
VistaLock Platform
Built for device finance in Nigeria
Our products
Two ways to run device-collateralized finance on one platform — built for merchants, partners, and customers you serve in store.
Smartphone financing
Spread the cost of a smartphone over partner-approved tenures. Agents handle KYC, finance authorization, and handover — usually in one store visit.
Device financing
Partner-fundedVistaProtect
Device collateral that supports collections — customers keep using their phone while reminders and progressive policy apply when repayments slip.
Collections posture
Device collateralSolutions
Connecting capital providers, merchants, and customers in Nigeria's device financing ecosystem — with VistaProtect and VistaPay at the center.
Capital providers
Licensed lenders and investment partners fund device sales through VistaLock. Portfolio visibility, funding queues, escrow, and audit-ready reporting — with customer data handled per partner policy.
Distribution network
Retail partners and field agents run the full sale — product selection, KYC, finance handoff, device enrollment, and handover — with commissions and ops dashboards built in.
Device finance recipients
Individuals across Nigeria who buy smartphones through dealer stores — flexible installments, repayment accounts, and device companion support for the life of the loan.
For customers
Device financing starts with an agent at a dealer store — not a standalone web application. Visit a store, complete identity checks, pay your down payment, and walk out with your phone the same day when approved.
Platform
Advanced capabilities for Nigeria's device finance landscape — without forcing every stakeholder into the same interface.
Agent capture → merchant finance review → partner funding → device enrollment → handover, on one workflow.
Enrollment, heartbeat, reminders, and progressive restrictions — customers keep the phone while collections run.
Dedicated repayment accounts, webhook apply, and settlement visibility for merchants and financiers.
Identity checks, physical verification, proof of address, and human review — with audit trails for partners.
Role-based views for merchants, dealers, finance partners, and operations — each sees what they need.
Field agents sell on mobile; merchants and financiers run operations from secure web dashboards.
VistaLock business
Agents sell in the field. Merchants authorize and operate. Finance partners fund and monitor — each with interfaces built for their job in Nigeria.
Field sales, KYC capture, finance handoff, VistaProtect enrollment, and handover. Download requires a dealer invitation under your merchant.
Finance authorization, device monitoring, ops queues, and portfolio oversight.
Portfolio, funding confirmation, collections, and compliance exports for lenders.
Pilot network
We're a startup scaling with partners — leading with process proof and platform depth, not inflated volume claims.
12
Step agent sale workflow
3
Stakeholder portals
1
Country live — Nigeria
“Finance authorization, device monitoring, and agent sales on one stack — built for how Nigerian phone shops actually sell.”
“Funding queues, escrow, and audit exports mean we can participate without rebuilding our own BNPL ops layer.”
FAQ
No. VistaLock provides BNPL technology infrastructure. Loan funding and credit decisions are made by licensed financing partners, subject to eligibility and approval.
Customers visit a dealer store in Nigeria. An agent guides them through identity checks, down payment, finance partner approval, and device handover — usually in one visit.
Yes. Customers use their device throughout the financing period. VistaProtect supports repayment reminders and progressive policy if repayments become overdue, as disclosed in the finance agreement.
Apply through our merchant onboarding form. Our team reviews your business details, compliance declarations, and operations profile before activating your account.
Licensed lenders onboard through the finance partner portal — funding queues, portfolio visibility, escrow, and audit exports are built into the platform workflow.
Nigeria. We are expanding dealer stores and financiers through our pilot network.
Repayment schedules and consequences are set by the financing partner and disclosed to the customer. VistaProtect may apply reminders and progressive device policy in line with the agreement.
Onboard as a merchant, connect as a finance partner, or contact us to find a dealer store near you.