Terms & Conditions (PSS)



The ModelDirect ‘Pay Small Small’ scheme is a payment service that allows the customer to pay in installments for products on Modeldirect Online Store. This scheme comes with the terms & conditions listed below:


  1. Opportunity to own premium products conveniently.
  2. Pay without stress.
  3. Zero interest.
  4. No collateral required.
  5. No BVN or other sensitive financial information required.
  6. Available to everyone (whether self-employed, salary earners, entrepreneurs, etc).
  7. No post-dated cheque required.


Follow these simple steps:

  • Select the product you wish to buy.
  • On the product page, select "Pay Deposit" option.
  • Add product to your cart.
  • Repeat the same process for all other products you wish to buy.
  • View all your purchases on your cart page, then proceed to checkout.
  • Fill in your details.
  • Read and Agree with all terms & conditions.
  • Place your order and make payments.



  1. Customer is mandated to make an initial deposit for product(s) and spread the remaining payments.
  2. Payments is spread into 3 consecutive months with no breaks in between.
  3. Ratio for payments is as follows: 40:30:30
  4. Customer receives product(s) after full payments have been completed and not before.
  5. Upon customer’s final contribution/payment, if there’s an increase in the product price, the customer shall be required to pay the difference before the product(s) are released.
  6. If there’s a price reduction of the product after the customer has made final payments, Modeldirect shall refund the difference to the customer upon delivery of product(s).
  7. Cash transactions are NOT allowed. Only bank transactions are allowed.



  1. When a customer fails to keep up with his/her contributions, the customer is given a period of 10 working days’ notice to reconcile his/her account or face full forfeiture of sum already contributed.
  2. If Customer can no longer continue with contributions, he/she has the right to exit from this program before payment is complete.
  3. To exit from this scheme, the customer must fill and submit ‘Exit from Pay Small Small Form’ to Modeldirect.
  4. Upon submission of ‘Exit from Pay Small Small Form’, customer will receive total sum contributed to the scheme excluding penalty fee of 15% of total sum contributed by Customer.
  5. All ‘Exit from Pay Small Small Forms’ shall be processed within 5 working days.



  1. You the customer, agree to indemnify us, our affiliates, officers, directors, agents and/or employees, as the case may be, free from any claim or demand, including reasonable legal fees, related to your breach of these Terms and Conditions of Sale.
  2. We shall not be held liable to customer’s source of income or legal status.
  3. ModelDirect has the right to amend, change and modify these terms whenever it deems it fit without recourse to anyone.