How it works
How Pantri Works
Pantri is a food purchasing platform with payroll-backed payment plansnot a personal loan. A full table today. Room in your paycheck for tomorrowenough for food, other bills, and investments that help you earn more. Stock up in bulk and you dodge the next price jump (spoiler: in Nigeria, it's always up)your food is already home.
Four steps
From basket to payroll
A simple flow designed for employees at participating workplaces.
- 01
Choose your food
Browse everyday groceries, curated family packages, or event supplies. Pick what your household needs today within your 1.5× salary limit.
- 02
Choose your payment plan
Select 5 or 6 equal monthly payroll deductions. No cash upfront the full amount is spread across your plan.
- 03
Get your food
After employer approval, Pantri fulfils your order so you can start cooking sooner.
- 04
Pay through payroll
Equal installments are deducted automatically through your employer's payroll. As you pay down, available credit opens again up to your limit.
Choose your food
Browse everyday groceries, curated family packages, or event supplies. Pick what your household needs today within your 1.5× salary limit.
Choose your payment plan
Select 5 or 6 equal monthly payroll deductions. No cash upfront the full amount is spread across your plan.
Get your food
After employer approval, Pantri fulfils your order so you can start cooking sooner.
Pay through payroll
Equal installments are deducted automatically through your employer's payroll. As you pay down, available credit opens again up to your limit.
Payment plans
No cash upfront. Equal monthly deductions.
Choose 5 or 6 months. Your food package limit is typically 1.5× salary. Exact options depend on your employer.
6 months
Longer schedule. Lower monthly deduction.
Example on ₦450,000.00 FGV (₦300,000.00 salary):
₦75,000.00/mo × 6
5 months
Shorter schedule. Higher monthly deduction.
Example on ₦450,000.00 FGV (₦300,000.00 salary):
₦90,000.00/mo × 5
Monthly salary
₦300,000.00
Food package limit
₦450,000.00
Today · no upfront
Monthly payroll deduction
₦75,000.00
× 6 months
Payment plan calculator
Salary × 1.5 not editable
Food package limit (FGV)
₦450,000.00
Monthly deduction
₦75,000.00
Duration
6 months
No cash upfront only equal monthly payroll deductions. Your limit is typically 1.5× monthly salary. As deductions reduce what you owe, available credit opens again so you can buy up to that limit even before a prior plan is fully repaid. Eligibility depends on your employer.
Who can use Pantri?
Pantri is available to employees of participating employers. Your workplace must be onboarded before you can shop with payroll plans.
Clarity
What Pantri is and is not
We keep the messaging honest so you know exactly what you're signing up for.
Not a grocery delivery app only
Delivery may be part of fulfilment, but Pantri is built around payroll-backed purchasing not just same-day grocery logistics.
Not primarily a loan app
Pantri is a food purchasing platform. Payment plans sit on payroll arrangements with your employer not a standalone cash loan product.
IS: food + payroll plans
Technology-powered food purchasing with payroll payment plans so employees can stock up today and pay over time.