Your Plan

Why spread the cost?

Flexible payment terms

Choose the term that suits your monthly budget, upto 12 months

Pay off your balance anytime

You can choose to make additional payments or pay off your balance 24/7 at no extra cost

Use your account again and again

Once you’ve opened your account, you can use it again to buy the tech you want (minimum spend of UGX200,000)

Manage your account online

View your statements and make payments using our Online Management Portal

Promotional credit offers

Special offers including buy now, pay later and interest free credit

How to apply?

Apply online now, shop later

  • If you’re not sure what you want to buy, but you’d like the security of knowing your credit limit before you shop, you can apply online in advance.
  • Once you’ve been accepted, we’ll tell you your credit limit, which you can use to shop either instore or online.

Apply online at checkout

  • Place your chosen products into the basket
  • At checkout, select delivery (credit is currently unavailable on order & collect purchases)
  • Using our credit calculator, select your credit term (or available offer)
  • Complete the application form

Apply instore

  • Take your products to one of our colleagues.
  • Tell them you’d like to spread the cost with Flexible Credit and that you don’t have an account with us already.
  • They’ll talk you through all the options and any available promotional offer so you can choose the right term using our credit calculator.
  • Complete your application.

How does it work?

Simply apply for a Your Plan credit account in-store or online today then buy the product you want. You can view and manage your account online 24/7. And you can use it to buy more products in future.

“Your Plan” Flexible Payment

Spread the Cost with “Your Plan” Flexible Payments

Am I eligible?

You need to be between 18-80 years of age

You need to be a Ugandan resident of 3 years or more and able to provide a valid proof of address.

You or your spouse must be in full time employment, retired, or in receipt of disability allowance, with a gross annual household income of UGX10.000,000 or more.

You must be able to provide bank account details from the account you want to use for Direct Debit payments.

What will happen when I apply?

Proof of ID

We’ll ask you for some personal details and proof of ID (passport, driving license or electricity bill).

For mobile purchases we may ask for your card details instead.

Eligibility check

We’ll conduct a quick eligibility check without affecting your credit rating

E-sign the agreement

Once accepted, you’ll need to review your application and e-sign the agreement.

If you’ve applied at checkout and have been approved, your order will be processed and you’ll receive confirmation. If you have applied for an account, you don’t have to use your credit straight away. Once you have been approved, your credit will be waiting for you to use in your account when you are ready to make a purchase.

Your credit account

How to use your account online

1. Discover our range of amazing products at Abanista.
2. Add your items to the basket.
3. At checkout choose Flexible Credit as the way to pay.
4. Use our credit calculator, select your term and follow the instructions on screen.

How to use your account instore

1. Visit one of our service centres – remember your two forms of ID and your mobile as we will verify your identity by text/SMS.
2. Choose your product and speak to one of our colleagues.
3. Remember to tell them that you have a credit account.
4. They’ll do the rest.

How do I shop again using credit?

To shop again with Your Plan credit account online, choose ‘Credit’ in checkout for orders with a purchase value of UGX200,000 or over, then sign into the Your Plan account and set up a new credit plan.
If you’re instore, simply let a colleague know and they’ll do it all for you.

Where can I use my credit account to shop?

You can use a Your Plan credit account to shop online and in any Abanista store.

Buy now, Pay later

How do I apply for Flexible Credit?

To apply for an account on an online order, choose ‘Flexible Credit’ in checkout and follow the on-screen instructions.
To apply in-store speak to one of our colleagues who’ll do it there and then for you.
You can get pre-approved online.

How much do I need to spend to pay using Flexible Credit?

You can use credit on orders with a value of £99 and over online and in-store.

Why are there different interest rates?

The standard Annual Percentage Rate for your credit account is 24.9% Representative variable. You may qualify for a preferential or promotional purchase interest rate, dependent upon your purchase you will be shown promotional purchase interest rate, dependent upon your purchase you will be shown the promotions and special deals applicable to you.

Why was I given a higher interest rate than the one advertised?

Each individual is assessed by Lipa Later Ltd on their credit worthiness, and is given the best rate according to their circumstances.

What happens next when I’ve been referred?

If your credit application has been referred online, then we will contact you by phone within 48 hours of your application. If we fail to reach you, after 3 attempts, we will email you with the outcome and next steps.

Do I need to pay a deposit?

Nope! It’s up to you. Please note that deposits are available in-store and, online only on mobile phone orders.

Your credit account

How do I access my account?

When your application for a Your Plan credit account is accepted, you’ll be sent an email asking you to register at the Your Plan website. This is where you can manage your account, view all your purchases, change your payment plan, make additional payments, or pay in full at any time at no extra cost.

Alternatively you can register your account by going to the website https://www.abanista.com/my-account/ and following the instructions. For your security, you will be sent a code to the email account and mobile number that you used when you first applied for Your Plan.

Where can I use my credit account to shop?

You can use a Your Plan credit account to shop online and in any Abanista store.

Are there certain items or services that can’t be paid for on credit?

Yes, some things can’t be paid for on credit. These include items on our website marked ‘ONLINE ONLY’, software downloads, pay monthly Care & Repair plans, collections and order & collect purchases.
Gift cards can not be used towards flexible credit purchases when you purchase online.

Where can I find my Credit Agreement?

You can access your credit agreement paperwork by logging onto your account at https://www.abanista.com/my-account.

How do I make a complaint about my credit agreement?

You can make a complaint about your credit agreement using one of these methods:
By phone: 0776470588 (calls may be recorded and monitored).
By Post: Abanista, PO Box 34493, Kampala, Uganda
Or online using your online account portal.

Who should I contact to discuss details on my account, including payments?

Lipa Later, are the credit lender and they manage the Your Plan credit accounts. Please log onto your account, to make payments and view FAQ’s that may help answer your questions. If you still need to speak to someone you can call Lipa Later on — to discuss your account and ways in which they may be able to support you at this time.

Buy using Flexible credit

How does ‘buy now, pay later’ work?

We sometimes have a ‘buy now and pay later’ option on certain products. It’s a great way of getting the tech you want today.
If you pay your full credit balance by your agreed end date, you will pay no interest on your purchase. Should you choose not to make the payment in full before the end of your Buy Now Pay Later period, you may make partial payments towards the amount. Any payments that you may make towards this amount by the end of the Buy Now Pay Later period will not incur any interest. Any balance left to pay after this date, will incur interest from the date of your purchase at 24.9% APR Representative (variable).
Two months before your Buy Now Pay Later period ends you’ll receive a reminder letter or email, reminding you of your repayment options.
Please note it takes a minimum of five working days for us to process payments, and that all payments must be processed by us before your Buy Now Pay Later period ends to ensure you don’t pay interest on that payment.

How do I apply for interest-free credit?

If you want to buy an eligible product on interest-free credit, simply add it to your basket. Then when you get to checkout, choose to pay by ‘Flexible Credit’ and then at the credit calculator, click the interest free credit option.

Credit Provider

Who are Creation Consumer Finance?

We’ve partnered with Creation Consumer Finance (part of BNP Paribas Personal Finance) to offer Your Plan credit accounts to customers.
Creation Consumer Finance manage the Your Plan credit accounts, and you make your monthly payments to them.
Abanista Group Ltd (trading as Abanista) act as a credit broker and not a lender. Credit is provided by Creation Consumer Finance.

Making a complaint

How do I make a complaint about my credit agreement?

You can make a complaint about your credit agreement using one of these methods:
By phone: 0776470588 (calls may be recorded and monitored).
By Post: Abanista, PO Box 34493, Kampala, Uganda
Or online using your online account portal.

How will my complaint be handled?

We’ll do our best to resolve your complaint as quickly as possible. If we can’t do this immediately, we’ll try to acknowledge your complaint within 5 working days of receiving it, and keep you updated on the progress of our investigation.

We aim to resolve any complaint within two weeks. If this isn’t possible, we’ll write to you with an update on the progress of our investigation. Once we’ve resolved your complaint, we’ll confirm everything in writing.

In the unlikely event that we haven’t resolved your complaint within 8 weeks of us receiving it, we’ll write to you and let you know the reasons why.

If you’re unhappy with the outcome of your complaint, you can email us at [email protected]