Buy Now, Pay Later in South Africa
Take your gear home today and split the cost into 3 or 4 interest-free instalments. Smart tech, gaming, audio and wearables — everything qualifies. Free delivery over R1,000.
Choose your buy-now-pay-later provider
PayJustNow
3 instalments · 60 days · 0% interest
- Pay 1/3 today, 1/3 in 30 days, 1/3 in 60 days
- Instant in-app approval at checkout
- Best for: gaming PCs, monitors, headsets
PayFlex
4 instalments · 6 weeks · 0% interest
- Pay 1/4 today, then every 2 weeks
- Smaller payments, faster settlement
- Best for: audio gear, earbuds, accessories
LayUp
Lay-by · Pay deposits · 0% interest
- Reserve now, settle over time, then we ship
- Set your own payment schedule
- Best for: big-ticket gaming rigs, projectors
Quick comparison
| Feature | PayJustNow | PayFlex | LayUp |
|---|---|---|---|
| Number of instalments | 3 | 4 | Flexible |
| Total term | 60 days | 6 weeks | You choose |
| 0% interest | Yes | Yes | Yes |
| Credit check | None | None | None |
| Delivery | Immediate | Immediate | After full payment |
| Approval time | ~60 sec | ~60 sec | ~60 sec |
Popular categories on BNPL
Every category qualifies for all three providers. Browse the most popular smart-tech sections customers split-pay on.
Buy Now, Pay Later FAQ
Which buy-now-pay-later option should I pick?
PayJustNow is best for fewer, larger instalments over 60 days. PayFlex spreads it over 4 smaller payments in 6 weeks. LayUp is best for big-ticket items where you want to pay BEFORE delivery. All three are 0% interest.
Is there a minimum or maximum order value?
PayJustNow allows up to R30,000 per order. PayFlex allows up to R15,000. LayUp has no hard cap — you can lay-by anything in the store. There is no minimum — even R200 orders qualify.
What if I miss a payment?
Each provider has its own late-payment policy. Generally a small admin fee may apply; none of the providers report missed BNPL payments to traditional credit bureaus in SA. The best move is to use the in-app reschedule option.
Can I use buy-now-pay-later on sale items?
Yes — BNPL applies to every product including Specials, Verified-Lowest Prices and clearance stock.
How long does delivery take?
Same-day or next-day in Cape Town, 2-3 working days nationwide. PayJustNow and PayFlex orders ship immediately on approval. LayUp orders ship once the lay-by is fully paid.
Start shopping with 0% interest
Pick a provider at checkout — PayJustNow, PayFlex or LayUp. Instant approval, no credit check, no hidden fees.
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