Stock your kitchen today. Pay when alert lands.
Ounje is the food market with credit built in. Shop rice, beans, garri & oil now — repay automatically on payday. 0% interest, one honest fee.
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From empty shelf to full pantry in four taps.
No loan forms. No wahala. Just shop, choose Pay Later, and repay when your salary lands.
Shop the staples
Browse the open market. Build a custom cart of rice, beans, garri, oil and protein — or start from a curated bundle.
Choose Pay Later
At checkout, tap “Pay Later · Ounje Credit.” See your total, the flat fee and your repayment date up front — no fine print.
Quick credit check
First order only: upload a payslip or securely link your bank. Get a limit of up to 33% of your salary, approved fast.
Repay on payday
Delivered in 24–48 hrs. We auto-debit on your chosen payday — 20th, 25th, 27th or 30th. No reminders, no calls.
Built for the days between salary and the next one.
Food prices are still 2.1× their 2020 levels. Every naira of food spend matters — so we made groceries something you never have to skip.
Every staple your family needs — one cart, one credit line.
Build your own cart or grab a curated bundle. Swap the placeholders for real product photography before launch.
The Jollof Bundle
Everything you need for a pot of party jollof in one curated basket. Edit it freely — add chicken, swap the oil, double the rice.
Regulated, transparent, and built to never over-lend.
Ounje is credit you can trust — licensed, encrypted, and capped to what you can comfortably repay.
FCCPC DML licensed
Ounje operates as a regulated Digital Money Lender under the FCCPC framework. Our licence number is displayed in-app and on every store listing.
Bank-grade encryption
Sensitive data is encrypted with AES-256-GCM at rest and TLS 1.3 in transit. Mandate credentials never touch a screen in plain text.
No dark patterns
Your full terms — fee, repayment date, total — are shown before you confirm. You see everything; nothing is buried in fine print.
A mandate you control
Repayment runs on a secure direct-debit mandate you authorise — and can revoke any time, right inside the app.
Capped at 33% of income
Credit is hard-capped at a third of your verified salary. We're built to never lend beyond what you can comfortably repay.
NDPR data privacy
Payslip and bank data are stored encrypted with your explicit consent, and auto-purged after 12 months. Your data, your rules.
Everything you might dey wonder.
Still got questions? Our team is one message away.
Chat with usOunje charges 0% interest. You pay a single flat “delivery & processing” fee (around ₦750 per order) shown clearly before you confirm. Your credit is tied to the food you buy — not a cash loan.
Verified salary earners, starting in Lagos and expanding to Abuja. We verify your income via a payslip or a secure bank-statement link to set a fair, responsible credit limit.
Your limit is up to 33% of your verified monthly salary, hard-capped at ₦150,000. First-time shoppers may start with a smaller limit and grow it with on-time repayments.
Automatically. Choose the payday that matches your salary — the 20th, 25th, 27th or 30th — and we collect via secure direct debit on that date. No manual transfers.
We send a reminder 24 hours before, and if the first attempt doesn't go through we simply retry later that day. No reminder calls, no agents, no WhatsApp harassment.
Most orders arrive within 24–48 hours, delivered to your door by our partner wholesalers. You'll get SMS and WhatsApp updates at dispatch and on delivery.
No — and that's the point. Ounje credit is for food staples only, which is exactly what keeps it 0% interest, low-risk and genuinely useful for your household.
Stock your kitchen today.
Pay when salary lands.
Join the salary earners who never skip a market run again. Download Ounje and shop in seconds.