Introducing - Wallet Top Up feature in partnership with FinChoice.

Just a quick note: While both the Facility and the Wallet are parts of your PayJustNow profile, they serve different purposes. 

The Facility helps you spread out the cost of purchases over three instalments, whereas the Wallet functions as money that you can use directly for payments, similar to your, bank issued, debit card or credit card.

PayJustNow Facility: This is the total amount that PayJustNow allows you to divide into three separate instalments. Think of it as a flexible payment plan. When you make a purchase, the total cost is split into three smaller, more manageable instalments. This makes it easier for you to budget and pay for your purchases over time without the pressure of a single, larger payment.

Wallet: On the other hand, your Wallet is like a digital purse within your PayJustNow profile. It holds a certain value that you can use to pay for goods and services, much like how you'd use a bank card. The money in your Wallet can be spent in one go or in parts, depending on your needs and the balance available. It's a convenient and straightforward way to manage your spending with PayJustNow - over and above your PayJustNow facility.

We can't call these FAQs because this is brand new ? But these are a couple of questions we imagine will come up.

Will I Pay Interest?

Using your PayJustNow facility remains interest-free, as always. However, please note that our third-party partner does charge interest for Wallet Top-Ups. The interest rate depends on the amount you request and the repayment terms you select.

How Are Payments Split?

At checkout, you have the flexibility to use your entire Wallet balance or opt for the usual split into three payments. If you choose the split payment option, be aware that your first instalment might be higher than the last two, depending on your PayJustNow facility's value.

What Amount Can I Request?

The choice is yours! Log in to see the amount you're eligible for. We encourage you to borrow responsibly, aligning your requests with what you comfortably can repay. Remember, we aim to keep the festive spirit high, without the worry of late payment notifications.

Can I Withdraw Cash from My Wallet?

If your Wallet balance is from a FinChoice top-up, unfortunately, cash withdrawals are not possible due to banking regulations. You can, however, return any unused funds to FinChoice to reduce the loan amount. For us to process this, we just need an email instruction from the email address linked to your PayJustNow profile, confirming that you'd like to send the top-up balance back to FinChoice.