Sheba Credit.
Pay in Three...
Buy today. Pay easy.
What you need today, with a little more breathing room. Split purchases of ৳3,000+ into three monthly payments.
Three steps. More possibilities.
An account that's yours. A limit that fits. A simpler way to pay for what matters.
- Create your account
Make it yours
Start with your name and email. Then add your phone number and a direct-debit payment method.
- Verify your details
A little about you
Share your NID, employment details and 3–6 months of bank statements for review.
- Receive your limit
Ready for what's next
Once approved, see your credit limit and split purchases into three payments at Sheba Credit merchants.
Your documents stay private. Your limit is reviewed.
Create your accountBuilt for both sides of the counter
One side buys in three instalments, the other is paid today. Sheba Credit keeps both sides informed.
For customers
Buy what you need now and pay it off in three monthly instalments.
- One limit, many plans Spend your approved limit across up to three plans at the same time.
- Collected on schedule Add a direct-debit payment method and each instalment is taken automatically.
- Nothing hidden Every payment, date and receipt sits in your own ledger, visible any time.
For businesses
Let customers split the bill while your own cash flow stays whole.
- Settled instantly Receive the sale today, minus a 5% fee, while Sheba Credit collects the instalments.
- Bigger baskets People buy more, and come back sooner, when the cost is spread over three months.
- One code, any counter Create a payment QR or code at the counter. No new machine needed.
The rules, in plain numbers
No small print, no surprises. These are the only figures that decide whether a plan is yours to open.
You pay ৳10,000 today, then ৳10,000 on the next two months.
The merchant receives ৳28,500 in their bank account today.
Sheba Credit keeps ৳1,500 — the 5% fee, taken from the merchant.
Your limit starts at 0.6× your verified monthly income and grows by 0.03× with every purchase, up to 1× — and never below ৳3,000.
Questions, answered plainly
The things users and businesses ask us most — in plain words, with the real rules behind each answer.