PayJustNow gives you the freedom to split your purchase into three equal, interest-free instalments—making it easier to budget without giving up what you want today.

Your PayJustNow Facility

When you sign up, you’ll be granted a facility limit—this is the amount you're allowed to spend through PayJustNow.

• It’s not a credit limit.

• Think of it as your available PayJustNow balance.

• If your purchase exceeds your facility, the difference will simply be added to your first instalment.

You can view your current facility limit in your profile at any time.

Once your full order is paid off, the total amount becomes available again for future purchases.

Instalment Breakdown

Here’s how the payment schedule works:

• 1st Instalment:
  Paid at checkout from your bank card. This confirms your order and kicks off the payment plan.

• 2nd Instalment:
  Automatically debited based on when you shop:

  • If you shop more than 5 days before your nominated payday, the second instalment goes off on your chosen payday later that month.

  • If you shop within 5 days of your nominated payday, the second instalment shifts to the same day next month.

• 3rd Instalment:
  Debited one month after your second instalment, on the same calendar date.

This structure ensures there's always a payday between instalments—so you can manage your spend more comfortably.

Order Processing

• Online purchases: Once your first instalment is complete, we notify the merchant to ship your order according to their usual delivery timelines.

• In-store purchases: The transaction is processed at the till, and you leave with your items immediately.

No Fees. No Interest.

As long as your payments are made on time:

• No interest

• No hidden fees

• No surprises

Any missed instalments will be liable for late payment fees as per the terms and conditions of use.

Who Can Use PayJustNow?

To use our payment service, you must:

• Be 18 years or older

• Have a valid bank card in your name

• Live in South Africa

• Be employed or self-employed

• Not be over-indebted or under debt review

• Not be under administration or declared mentally unfit

Ready to Shop?

You can use PayJustNow at any of our partner stores.
Browse our featured stores here or log into the app to view the full store directory.

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