Zilla

Zilla is a Nigerian fintech startup founded in 2021 that initially offered a buy now, pay later (BNPL) platform enabling consumers to purchase goods from over 2,000 stores and split payments into interest-free installments. The company targeted the underserved Nigerian consumer credit market, raising $300K from Silicon Valley investors and building a merchant network across online and offline channels. In early 2024, Zilla paused its BNPL service and pivoted to Zillawire, a cross-border payment solution, as consumer adoption challenges hampered BNPL growth. The company is headquartered in Lekki, Lagos and serves the broader African payments market.