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Spredda currently offers two installments payment options, namely PayQart and Lay-by. Spredda only acts as a credit intermediary and cannot decide whether or not to approve your application.

PayQart is third party application that lets you recieve your purchase now and spread the cost over a period of 6 months. If you select this option at checkout, you'll be redirected to complete a simple form provided by PayQart for instant pre-approval. If your application is finally approved, you can pay for your order in monthly installments. For more information on PayQart Click Here.

Lay-by is an interest free installment payment option that allows you to reserve products while you make easy payment over a maximum period of three months. With a minimum down payment of 20%, We will keep the product for you at the retail price with no extra cost and deliver to your doorstep upon completion of payment. For more information on Lay-by Click Here.


  • At Checkout, select your preferred installment payment option.
  • You'll be redirected to secure url to complete a form containing some general questions. It is inportant to input the correct information as this will be verified and used to determine your eligibility to use the payment option.
  • In case of PayQart, your application will be pre-approved or declined within one miniute. If your application is pre-approved by PayQart, Please follow the instructions that will be forwarded to your email to complete your application. Your order will be delivered once your application if finally approved.
  • In case of Lay-by, you will be required to make your 20% down payment and set up a payment method for subsequent payments.