Shop Now. Pay Later with PayJustNow on Loot.co.za

Shopping just got smarter. With PayJustNow, you can shop your favourite products on Loot.co.za and choose the payment option that suits your budget. Split everyday purchases into 3 interest-free payments, or spread the cost of bigger purchases over 12 affordable monthly installments. Whether you're shopping for tech, home essentials, books, beauty, or gifts, PayJustNow gives you the flexibility to get what you need today and pay over time.

Choose the payment option that suits you

Pay in 3

3 interest-free payments

Perfect for everyday purchases, Pay in 3 lets you enjoy your purchase today while spreading the cost over three equal payments.

1. 0% interest. No hidden fees.
2. Pay 1/3 upfront at checkout.
3. The remaining 2 payments are automatically deducted on your salary date.
4. Instant gratification with zero stress.
5. Shop online or in-store with quick approval and a simple QR scan.
6. Ideal for purchases when payday is just around the corner.

Pay in 12

Flexible monthly payments for bigger purchases

For life's bigger moments, Pay in 12 gives you the freedom to spread the cost over 12 affordable monthly repayments.

1. 12-month payment plan.
2. Competitive interest rate with a clear repayment breakdown in the app.
3. Your first payment is made on your next payday, followed by 11 equal monthly repayments.
4. Monthly payments are conveniently collected via debit order.
5. Ideal for larger purchases with lighter monthly repayments.
6. Shop online or in-store with instant approval and complete visibility of your payment schedule in the app.

How PayJustNow works

Shopping with PayJustNow is quick and easy.

Browse Loot.co.za

Find the products you love and add them to your shopping cart.

Choose PayJustNow at checkout

Proceed to checkout and select PayJustNow as your preferred payment method.

Complete your purchase

You'll be redirected to the secure PayJustNow platform to complete your payment.

Choose your payment plan

Select Pay in 3 for interest-free payments on eligible purchases, or Pay in 12 for affordable monthly repayments on bigger buys. Once approved, simply complete your purchase and enjoy your order today.

Why shop with PayJustNow?

1. Choose between Pay in 3 or Pay in 12.
2. Buy what you need today.
3. Flexible payment options to suit your budget.
4. Quick online approval.
5. Secure checkout.
6. Shop online or in-store.
7. Easy-to-manage repayments through the PayJustNow app.
8. Trusted by thousands of South African shoppers.

Frequently Asked Questions

What payment options are available?

PayJustNow offers two flexible ways to pay:

1. Pay in 3: Split your purchase into three equal, interest-free payments with no hidden fees when payments are made on time.
2. Pay in 12: Spread the cost over twelve affordable monthly repayments with a competitive interest rate.

Can I pay my balance off early?

Yes. You can settle your outstanding balance at any time through your PayJustNow account.

Is there a spending limit?

Your available spending limit is determined by PayJustNow based on your account and purchase eligibility.

Which products can I purchase?

PayJustNow is available on eligible products across Loot.co.za. Some exclusions may apply.

Need help?

For questions about your Loot.co.za order, please contact our Customer Support team on 087 820 5668.

For questions about your PayJustNow account, repayments, applications, or payment schedules, please contact the PayJustNow Customer Support team via the PayJustNow Help Centre.

Shop smarter with PayJustNow

Whether you're buying everyday essentials or investing in something bigger, PayJustNow gives you the flexibility to shop today and pay over time. Simply choose PayJustNow at checkout, select Pay in 3 or Pay in 12, and enjoy a fast, secure, and convenient way to pay on Loot.co.za.

Terms and Conditions apply. Approval is subject to PayJustNow's assessment criteria. Pay in 3 is interest-free. Pay in 12 includes a competitive interest rate.