How It Works

Choose the easiest way to Pay


Choose to Pay by Direct Debit,
Credit Card or Mobile Money.
No Referees, No long Forms, all easy.


Cytrone Lets you Pay after trying out the product after delivery.
Make sure it Fits before you pay.


You can pay in divided weekly or monthly
installments at a single APR.

Key Features Of The Product

We have you Protected

Expired Goods, Wrong Order, Goods not delivered, You don't Pay.

Merchant/ Consumers' Trust

Trusted by 1000s of Merchant all over the world. Pay from anywhere.

Halt Payment to Merchant

Incases of issues arising with products, contact us and we will halt the payment until issues are resolved.

Choose the best way to pay

At Cytrone we let you pay immediately, later and over a period of time.

Make payments easier in all channels

Your customers want simple, consistent buying experiences on the web, mobile and in-store. Which is why our platform is fully omnichannel. No interruptions or disruptions; just a smooth, secure experience, all the time.

Awesome New feature

Quick and Easy

Checkout is simple at any store that accepts Cytrone. Just enter a few lines of information for a real-time decision.

Safe and Secure

Cytrone connects directly to a point of sale or online stores. There’s no card number to steal, so your account stays secure.

You are in control

Pick a loan that fits your budget. You’ll make real progress every month, and at the end of your loan, you’re free and clear.

Signup for FREE

You pay us over time weekly, fortnightly or monthly, whichever suits you best.

Trusted By Millions

Frequently Asked Questions

How do i signup for Cytrone?

There are two ways to sign up for Cytrone:

1. Create a Cytrone account at in just a few easy steps; or.

2. Select Cytrone as your payment method while checking out with any Cytrone Point of Sale or Online merchant partner.

What is required to have a Cytrone Account?

To sign up for Cytrone, you must:

1. Be 18 years or Older

2. Provide a valid Home address.

3. Provide avalid Mobile Number and agree to receive sms alerts.

4. Provide your full Names, Email address, date of birth, Financial Card Number.

Are there any Fees associated with Cytrone Loans?

Cytrone loans vary between 10% and 35% APR simple interest.

The corresponding finance charge is the only fee associated with a cytrone loan - we don’t charge late fees, service fees, prepayment fees, or any other hidden fees.

What are my Payment Options?

When you make a purchase of $100 or more with Cytrone, you can pay over 3, 6, or 12 months.

For purchases between $50.00–$99.99, you can pay over 2 or 3 months.

Do i have a credit limit with Cytrone?

Unlike a credit card, Cytrone is not a revolving line of credit. While customers can take out multiple Cytrone loans at once, each Cytrone loan application is evaluated separately as a closed-end transaction.

An application from a returning customer may be denied, however, if that customer has failed to repay other Cytrone loans on time or if the customer shows excessive borrowing behavior.

Does Cytrone perform a credit check?

Yes, when you first create a Cytrone account, we perform a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score.