PayJustNow is South Africa’s flexible payment solution that lets you shop now and pay over time. With Pay in 12, you can spread your purchase over 12 smaller monthly payments – with a transparent interest rate. It’s the clever way to make bigger buys more manageable.

Pay in 12, powered by FinChoice, is a flexible payment option from PayJustNow that lets you spread your purchase over 12 smaller monthly payments – with a transparent interest rate. It’s designed to make bigger buys more manageable, responsibly.

When you shop online and choose PayJustNow at checkout, select Pay in 12.
You’ll make your first payment immediately, and the remaining 11 payments will be deducted monthly via DebiCheck Debit Order by FinChoice.

FinChoice is a registered credit provider and PayJustNow’s partner for Pay in 12. They handle the credit approval, payment collections, and account management.

You can use Pay in 12 for online purchases at participating PayJustNow partner stores across South Africa.

Yes. You’ll need to open a Pay in 12 account on the PayJustNow app. Once approved, it will appear as an option when you shop.

Approval can happen in as little as 5 minutes. If extra income documents are needed, it may take up to 24 hours.

As a responsible lender, FinChoice checks your credit history and affordability. Continue to pay your accounts on time — this helps you qualify for Pay in 12 in future.

Your personalised interest rate will be shared with you when you open your Pay in 12 account. Rates are charged according to the National Credit Act and FinChoice Terms & Conditions.

FinChoice collects your payments using a DebiCheck Debit Order — this is different from PayJustNow’s Pay in 3 option, which uses your bank card.

You can:

• Log into the PayJustNow app and swipe to view your Pay in 12 account; or
• Visit finchoice.mobi for detailed statements, balances, and payment history.

You’ll get a Pay in 12 statement every 3 months, or you can log in to finchoice.mobi anytime to view it.

Your first payment is made at checkout. The remaining 11 are automatically deducted monthly on the same date until your plan is complete.

Of course. You can request a settlement quote on finchoice.mobi or call the FinChoice team to make an early or additional payment.

If you miss a payment, you can:

• Log in to finchoice.mobi and create a promise to pay, or

• Call the FinChoice collections team on 086 134 6770 for help.

Missed payments may incur a late fee and be reported to the Credit Bureau (as required by the National Credit Act), which could affect your credit profile and spending limit.

Log in to your PayJustNow profile to view your Pay in 12 plans, upcoming payments, balances, and personal details — all in one place.

Yes, Pay in 12 comes with a small, transparent interest rate — clearly shown before you confirm your plan. There are no hidden fees.

Absolutely. We use bank-level encryption and secure payment systems to keep your information and transactions protected.

Yes. You can add or update your card anytime from your account dashboard.

It could be because of your spending limit, card settings, or affordability results. You can update your details or try again later.

Yes – once your first instalment is paid, your order is processed and delivered as normal.

If you return your item, the store handles the approval. Once confirmed, we’ll adjust your payment plan or refund the amount you’ve already paid.

Yes, as long as your account is in good standing and you have available spend limit.