Pay Just Now

Imagine you want to buy something in South Africa but lack the funds. Enter PayJustNow to buy the item without extra interest. This Buy Now, Pay Later (BNPL) service offers flexible shopping credit. Many people use PayJustNow to make shopping more affordable and manageable.

This comprehensive guide about PayJustNow includes how to set up your account, how to use it, and which stores accept PayJustNow. So, you can maximise the service’s benefits and identify where to use the interest-free installments for better budgeting.

What Is PayJustNow and How Does It Work?

PayJustNow is a Buy Now Pay Later (BNPL) service in South Africa that splits your purchase into three interest-free payments. The first payment is made at purchase, and the next two align with your chosen salary day. This financial service enables you to buy products even without immediate funds; you pay for them later.

Key Features of PayJustNow You Should Know

• PayJustNow divides your purchases into interest-free installments.
• In addition to their standard option, they offer “Pay Stretch,” which extends payments to 12 months and incurs fees and interest.
• PayJustNow is accepted by over 1,000 retailers in South Africa.
• You don’t need a good credit score to be eligible for their services.

Benefits of Using PayJustNow for Everyday Purchases

PayJustNow is a popular alternative to a credit card, offering many benefits for everyday purchases, such as:

Stress-Free Purchase: Zero-interest instalment plans help you avoid debt, making PayJustNow more attractive than traditional credit cards.

Flexible Instalments: They give you enough time to pay by splitting the purchase into three manageable installments. You can extend the instalments by up to 12 months through “Pay in 12” or “Pay Stretch” with fair interest charges.

Lower Entry Barrier: PayJustNow is popular in South Africa because its approval process is straightforward, requiring only a soft credit check. Shopping is also effortless thanks to online integration with major brand stores, delivering a seamless experience.

How to Sign Up and Start Using Pay Just Now?

To start using their credit services, you need to make a PayJustNow account on their website or App.

1. To sign up, visit their website and enter your personal details, including your South African ID, mobile number, and email Address.
2. Then enter the OTP sent to your mobile number for verification and link your bank’s debit card to the PayJustNow account.
3. After the instant approval, you will be assigned a limit, which you can think of as your Pay Just Now balance. It is the sending limit, which you can view in your account.
4. If you make a purchase that exceeds the spending limit, the extra amount will be added to your first instalment, which you must pay during checkout.

PayJustNow vs Other Buy Now Pay Later Services

The Buy Now, Pay Later (BNPL) market in South Africa has Platforms like PayJustNow, which is leading the charge at retail checkouts, but there are also alternative options.

• Payflex: It offers a faster repayment model with four interest-free payments spread over six weeks, which is useful for quick everyday purchases.
• HappyPay: It is also a BNPL service that lets you split purchases into 2 equal installments with no deposit and offers up to R25,000 in spending power.

Is PayJustNow Safe and Legitimate?

PayJustNow is a popular and legitimate company registered under number 2019/164250/07. It is a safe platform that lets you split purchases into 3 interest-free instalments. However, their frictionless model can lead to overspending. Your personal information is safe with them, and only shared with business partners so they can give personalized offers.

Who Can Use PayJustNow? Eligibility Criteria

To be eligible for PayJustNow in South Africa, you must: have a valid South African bank card in your name.

• You must not be under debt review or regarded as over-indebted.
• Applicants must be mentally sound and not under financial administration.
• You need a valid email address and mobile number for contact.

Pros and Cons of PayJustNow: You Must Consider

PayJustNow has partnered with many brands, and if you’re curious about them, you can give them a chance. However, be careful as you would be with any credit product. Here are a few pros and cons to know before using their services.

Pro

1. Loan without a credit check: Many people struggle to obtain a loan due to their credit score, and PayJustNow does not conduct a hard credit check to provide its services. They use alternative data to assess affordability, offering individuals with poor credit an alternative.
2. Quick and Seamless Service: PayJustNow requires only basic personal information to register, making signup fast and freeing up your cash flow.
3. Interest-free Credit: Unlike the short-term loans and credit cards that lock you into high-interest rates and monthly payments, PayJustNow offers zero-interest options.

Cons

1. Overspending and Impulse Purchases: PayJustNow’s quick credit model can foster overspending and impulsive buying. Because some do not view this service as real money, it can increase debt and promote purchases beyond one’s budget.
2. Risk of Bank Overdraft: Payments from PayJustNow are automatically charged to your bank card, which may put your bank account at risk of an overdraft.

How to Shop with PayJustNow?

There are two ways in which you can shop with PayJustNow: You can either buy products online or by visiting the brand stores in person.

Purchasing the Products Online

To use PayJustNow for online purchases, visit an affiliated brand’s website and browse the products you want to purchase. In the checkout menu, select PayJustNow as the payment option. Then log in to your account and pay your first instalment to complete the purchase.

Using PayJustNow in-store

To make an in-store purchase using Payjustnow, find an affiliated brand store and browse the store for preferred products. Then, select Payjustnow for payment at the checkout counter, pay your first installment, complete the purchase, and enjoy your shopping.

Pay just now, contact details

Use these contact details to resolve issues with your PayJustNow account and get support whenever you need it.

Phone Number: 021 300 2152.

Address: 3rd Floor, Sunclare Building, 21 Dreyer St, Claremont, Cape Town, 7708, South Africa.

Email: [email protected].

WhatsApp number: 066 011 8295

Which stores accept payment right now?

Below is a list of online and offline retail stores in South Africa.

We have compiled the full list of PayJustNow partners and organized them by category so you can easily find the store for your preferred brand.

Fashion & Footwear

PayJustNow has partnered with South Africa’s top fashion and style retailers, whom you can rely on whether you need stylish footwear and trendy outfits.

• Superbalist: A popular South African fashion and lifestyle retail brand, known for its strong youth-focused brand and trendy products.
• Adidas: A major German sportswear manufacturer for people looking for stylish tracksuits and footwear.
• Puma: For sport enthusiasts looking for high-quality footwear, apparel, and accessories from a world-leading German brand.
• Levi’s: An American denim brand, which invented the iconic blue jean famous for its 501 fit.
• Steve Madden: An iconic fashion brand that has influenced the shoe industry by blending high-fashion trends with accessible, creative designs.
• Timberland: Timberland is for people looking for rugged, durable footwear with urban style, famously known for its waterproof “Yellow Boot”.
• Vans: They launch an extensive apparel collection for both men and women.
• Diesel: An Italian brand known for its innovative, premium, and casual denim jeans.
• New Balance: Perfect for an athletic individual seeking style and comfort in a single pair.
• Crocs: A world leader in casual footwear that combines value and comfort.
• The North Face: If you are heading outdoors and looking for high-quality outdoor gear, The North Face can offer you huge value.

Electronics & Appliances

If you want to buy a smartphone or tech appliance, PayJustNow partners with reputable South African and global tech brands.

• Samsung: Known for premium, innovative tech products, including smartphones, smartwatches, and other accessories. PayJustNow lets you enjoy these products without messing up your cash flow.
• Game: This is the major discount retailer in South Africa, offering a wide range of general merchandise, including electronics, home appliances, groceries, furniture, and leisure goods.
• Makro: Makro is a major warehouse club retailer with an emphasis on technology, electronics, and appliances. You can purchase great computing and audio appliances without being overwhelmed, thanks to PayJustNow.

Home & Living

Whether you’re looking to decorate your new home or renovate your old one, Payjustnow is also affiliated with many home décor, furniture, and home appliance retailers, making your shopping experience even more convenient.

• Coricraft: A great place for purchasing a wide range of furniture. Shop from them if you prioritize stylish, durable leather/fabric furniture.
• CTM: If you’re looking to renovate your home, upgrade your kitchen or bathroom, you can purchase from CTM using PayJustNow and pay later.
• Bed Bath Home is a family-owned retailer in South Africa, making it a great option for affordable luxury linen bedding for your home or hotel.
• Canvas and More: Canva and More offers personalized, branded home products, including aprons, mugs, and other decor.

Beauty & Wellness

There are plenty of popular beauty and wellness brands affiliated with Payjustnow, which gives you a good selection of branded and affordable wellness products.

• Isabella Garcia: A great South African skincare company for cosmetics to maintain your skin and hair. They offer personalized skincare products and include a free skin analysis.
• Hey, Gorgeous South Africa: Ideal for individuals looking for organic, natural, and cruelty-free skincare, body, and bath products.
• Supple Skin: An affordable skincare brand that you can use to purchase chemical-free serums to treat your acne and dark marks.

Jewelry & Accessories

Jewelry is expensive, but that should not stop you from purchasing something special for major occasions.

NWJ Jewellery: They are famous for their high-quality in-house jewellery pieces that you can purchase using Payjustnow through manageable installments.

Sports & Outdoor

Even if you are an Outdoor and sports enthusiast, you can also benefit from PayJustNow’s credit service through these top two stores.

• Sportsman’s Warehouse: Sportsman’s Warehouse offers premium footwear, apparel, and gear for various outdoor sports and fitness activities, which you can purchase using PayJustNow.
• Bike Addict: A go-to store for cycling accessories, from trendy apparel to rugged gear.

Automotive

For Automotive needs such as automobile parts and maintenance, PayJustNow is accepted by Goodhope Tyres, Modern Auto Parts, and AutoZone South Africa.