Instalment Dates

Understanding Your PayJustNow Check out Page and Instalment Dates

Managing your budget shouldn't be stressful. With PayJustNow, you can split your purchase into three, interest-free payments—and we’ve made sure there’s always a payday between them.

Here’s how your instalment schedule works 

First Instalment — Paid at Checkout

• Your first payment is charged immediately when you complete your purchase (whether online or in-store).

• Make sure your card has enough funds at checkout to avoid a failed payment.

• If your purchase exceeds your facility, the difference will simply be added to your first instalment.

Second Instalment — Based on Your Selected Payday

When you sign up, you’ll choose your payday. We use this to schedule your second payment at a time that suits your budget.

How we schedule it:

• If you shop more than 5 days before your payday →
  Your second instalment will be debited on your payday in the same month.

• If you shop within 5 days of your payday →
  Your second instalment will be debited on the same date, next month.

Final Instalment — One Month After the Second

• Your third and final instalment will be charged one month after your second payment, on the same calendar date.

Example: How Dates Work

Let’s say your selected instalment date is the 25th:

• If you shop on the 10th, your payment dates will be:

  • 1st: 10th (at checkout)

  • 2nd: 25th of the same month

  • 3rd: 25th of the next month

• If you shop on the 23rd, your payment dates will be:

  • 1st: 23rd (at checkout)

  • 2nd: 25th of the next month

  • 3rd: 25th of the following month

Below is a breakdown of the Checkout page

Changing Your Instalment Date

• You can update your selected payday anytime by going to Profile Settings.
  Note: This change only applies to new purchases. Instalment dates for existing orders won’t be updated.
  
  

Missed a Payment?

• If a payment fails, we’ll send you a reminder to retry it.

• If it remains unpaid, a late fee will be added to your next instalment amount.

• To avoid this, make sure your card has sufficient funds on the scheduled payment dates.

Shared Details & Instalment Restrictions

As an added security and anti-risk measure, if you share a bank card or cellphone number with another PayJustNow customer, the option to pay in 3 instalments will be disabled.

You’ll be required to pay the full amount upfront at checkout.

To restore your access to the PayJustNow 3-instalment benefit, please contact our support team at support@payjustnow.com for assistance or start a live chat in app by selecting Contact Us.