In recent times, a new system of getting phones on credit was introduced popularly known as Easy buy and because of the hardship facing many Nigerian youth nowadays everyone want to get a new smart phone.
but the truth remains that This system of buying phone on credit whereby you will pay installmentaly every month.
most people today are complaining that the method is easy to get the phone but after you have collected the phone it becomes easy to pay up

see full story https://yawabase..com/2019/08/the-secret-behind-easy-buy-phones.html

generally it is easier to collect things on credit than pay back, so its not surpising that people are finding it difficult to pay up but the thing is that this idea of easy pay still makes sense, imagine you want to buy the new Phantom 9 which retails for 77k and right now you can only afford 20k, it will come in handy if you can land the device and pay up within 4 months or dont you think?