Flexible payment options
Split your purchase into smaller payments with PayJustNow, Payflex or Mobicred. Choose your option at checkout and get approved in minutes.
All three let you take your purchase home now and pay over time. The difference is how many payments you make, how often, and whether interest applies.
Best for: mid-range buys or spreading payments over a longer term.
How PayJustNow works →
Best for: choosing a schedule that matches how you get paid.
How Payflex works →
Best for: bigger purchases you'd rather spread over a longer period.
How Mobicred works →An illustration of how the same purchase is split by each provider. Your actual amounts are confirmed by the provider at checkout.
Total R12,999. No fees when payments are made on time.
Total R12,999. Prefer fewer payments? Pay in 2 or 3 also available.
Charged to your Mobicred account
R12,999
Repaid via one monthly debit order
Your monthly instalment, interest and fees are set out in your Mobicred agreement and statement.
| PayJustNow Pay in 3 | PayJustNow Pay in 12 | Payflex | Mobicred | |
|---|---|---|---|---|
| Type | Buy now, pay later | Instalment credit (via FinChoice) | Buy now, pay later | Revolving credit account |
| Number of payments | 3 | 12 monthly | 2, 3 or 4 | Monthly instalments |
| Interest | 0% | Yes, personalised rate shown before you confirm | 0% | Variable, linked to repo rate |
| Paid at checkout | 1/3 of the total | First instalment | First instalment | Nothing; charged to your account |
| How you repay | Card, on your salary date | Monthly DebiCheck debit order | Card, on paydays or every 2 weeks | Monthly debit order |
| Sign up | At checkout, in minutes | Open a Pay in 12 account in the PayJustNow app first | At checkout, in minutes | Apply on mobicred.co.za first |
| Approval | Instant | As little as 5 minutes (up to 24 hours if documents are needed) | Instant | Instant response; documents may be needed |
| Credit check | Soft check, won't affect your credit score | Credit history & affordability check | [Confirm with Payflex] | Credit & affordability assessment |
| Best for | Mid-range buys before payday | Big-ticket buys with lighter monthly payments | Matching payments to your pay cycle | Ongoing shopping on one account |
PayJustNow Pay in 3 and all Payflex plans are interest-free when you pay on time. PayJustNow Pay
in 12 and Mobicred are credit options, so interest applies.
Pay in 3 splits your purchase into 3 interest-free payments: one at checkout and two on your next
paydays. Pay in 12 spreads your purchase over 12 monthly payments with a small, transparent
interest rate, which makes bigger buys easier on your monthly budget. Pay in 12 is provided by
FinChoice, a registered credit provider.
If you'd like the lowest monthly payment, PayJustNow Pay in 12 or Mobicred spread the cost over a longer period, with interest. If you can pay it off within a few weeks, Pay in 3 or Payflex keep it interest-free.
For PayJustNow Pay in 3 and Payflex, you can sign up during checkout. For PayJustNow Pay in 12, open a Pay in 12 account in the PayJustNow app first; once approved, it appears as an option at
checkout. For Mobicred, apply on mobicred.co.za and make sure your account is activated before you check out
Pay in 12 only shows once you have an approved Pay in 12 account in the PayJustNow app.
Approval depends on your credit history and affordability.
Yes. Once your payment is approved, your order is processed and delivered as normal.
Yes. All providers let you settle early through your account with them. For Pay in 12, request a settlement quote through FinChoice.
Each provider may charge a late fee. For credit options (Pay in 12 and Mobicred), missed payments may also be reported to the credit bureau. Contact your provider straight away if you're struggling to pay.
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