Pay Small Small — Payback Calculator

Estimate your daily repayments across Hubtel services before you shop.

Service

Orders & Delivery

Purchase Amount

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GHS

Band GHS 50–150 → 13 installments over 14 days, 15% upfront, 4.928% interest. Under GHS 200 there's no upfront; above it, upfront rises with risk (capped at 25%).

Payback Breakdown Orders & Delivery

Pay GHS 23.61 today, then about GHS 10.29 per installment — 13 installments over 14 days. Just keep your balance topped up — the rest comes off small, small.

Pay today

GHS 23.61

15% at checkout

Per installment

GHS 10.29

13 installments over 14 days · last GHS 10.30

Purchase

GHS 150.00

Cost of credit

GHS 7.39

4.928%

Total to repay

GHS 157.39

Window

14 days

13 installments

Day-by-day schedule

14 debits · 14 days

Swap Filter Component Here

Installment	Date Due	Debited Amount	Amount Left
Today	6 Sept 2026 · at checkout	GHS23.61	GHS133.78
Inst 1	7 Sept 2026 · Day 1	GHS10.29	GHS123.49
Inst 2	8 Sept 2026 · Day 2	GHS10.29	GHS113.20
Inst 3	9 Sept 2026 · Day 3	GHS10.29	GHS102.91
Inst 4	10 Sept 2026 · Day 4	GHS10.29	GHS92.62
Inst 5	11 Sept 2026 · Day 5	GHS10.29	GHS82.33
Inst 6	12 Sept 2026 · Day 6	GHS10.29	GHS72.04
Inst 7	14 Sept 2026 · Day 8	GHS10.29	GHS61.75
Inst 8	15 Sept 2026 · Day 9	GHS10.29	GHS51.46
Inst 9	16 Sept 2026 · Day 10	GHS10.29	GHS41.17
Inst 10	17 Sept 2026 · Day 11	GHS10.29	GHS30.88
Inst 11	18 Sept 2026 · Day 12	GHS10.29	GHS20.59
Inst 12	19 Sept 2026 · Day 13	GHS10.29	GHS10.30
Inst 13	20 Sept 2026 · Day 14	GHS10.30	GHS0.00

From (GHS)	To (GHS)	Days	Instal.	Upfront %	Interest %
0.01	10	0	Pay in full	Pay in full	Pay in full
10.01	50	7	6	20	2.464
50.01	150	14	13	15	4.928
150.01	250	21	20	10	7.392
250.01	1000	28	27	5	9.856
1000.01	50000	30	30	5	10.58

From (GHS)	To (GHS)	Days	Instal.	Upfront %	Interest %
0.01	10	0	Pay in full	Pay in full	Pay in full
10.01	25	4	3	20	1.408
25.01	50	7	6	15	2.464
50.01	100	12	11	10	4.224
100.01	300	20	19	5	7.04
300.01	1500	30	30	5	10.58

From (GHS)	To (GHS)	Days	Instal.	Upfront %	Interest %
0.01	10	0	Pay in full	Pay in full	Pay in full
10.01	30	5	4	20	1.76
30.01	70	10	9	15	3.52
70.01	150	16	15	10	5.632
150.01	400	24	23	5	8.448
400.01	1500	30	30	5	10.58

From (GHS)	To (GHS)	Days	Instal.	Upfront %	Interest %
0.01	10	0	Pay in full	Pay in full	Pay in full
10.01	50	7	6	20	2.464
50.01	150	15	14	15	5.28
150.01	400	25	24	10	8.8
400.01	1000	40	39	5	14.08
1000.01	50000	60	60	5	21.16

From (GHS)	To (GHS)	Days	Instal.	Upfront %	Interest %
0.01	10	0	Pay in full	Pay in full	Pay in full
10.01	50	5	4	20	1.76
50.01	100	10	9	15	3.52
100.01	300	18	17	10	6.336
300.01	800	25	24	5	8.8
800.01	2000	30	30	5	10.58

Day-by-day schedule

All payback bands