How it Works – keltox

This is the quick, one-time process to unlock your personalized credit limit.

Step 1: Download the App & Register
- Create your account in minutes using your email and phone number. We’ll secure your account with a simple OTP verification.
Step 2: Complete Your Profile
- Provide your basic identity information, including your BVN and NIN. This allows us to perform our mandatory, secure identity verification.
Step 3: Link Your Salary Account
- Securely connect the bank account where you receive your salary. This is a crucial step that helps us understand your income and verify you as a salaried professional, unlocking the best possible financing terms for you.
Step 4: See Your Pre-Approved Limit
- Once your profile is complete, our automated engine will instantly assess your information and present you with your personalized, pre-approved spending limit. You are now ready to finance a purchase!

Ready to make a purchase? This is the simple, on-the-spot process.

Step 1: Find What You Want to Buy
- Identify the product you want to purchase from a trusted vendor. Our model is built to be flexible—you choose what you need.
Step 2: Apply in the App
- Open the Keltox app and tell us what you’re buying. You’ll provide a few details:

■ The name of the vendor.

■ A description of the asset (e.g., “A 65-inch LG Smart TV”). ■ The exact cost price.

Step 3: Review & Accept Your Transparent Offer
- We’ll present you with a clear, final offer. You will see the cost price , our fixed financing fee , the total repayment amount , and your simple installment plan . There are no hidden fees. Review the agreement and accept the offer.
Step 4: We Pay the Vendor, You Get Your Item
- Done! Our partner bank instantly pays the vendor the full amount. You can now pick up your item or have it delivered.

We make repayments effortless and structured.

Step 1: Track Your Installments
- Your app dashboard will clearly show all your upcoming payment dates and amounts, so you’re always in control.
Step 2: Automated Repayments
- Your repayments are structured to align with your salary cycle. Through the payroll-linked connection, installments are automatically deducted on the due No need to worry about missing a payment.
Step 3: Build Your Credit History
- Every on-time repayment helps build a positive credit history, which can unlock higher limits and even better terms for your future purchases.

Your Journey to Smart Financing in a Few Simple Taps.