What is Pay in 12?
PayJustNow has partnered with FinChoice, replacing FinChoicePay on the PayJustNow app. With Pay in 12, payments can be made over 12 months, with fair added interest, allowing you to stretch your payments for bigger purchases..
Why Pay in 12?
Instead of only offering a Pay in 3, 3-month instalment plan, we want to make shopping for bigger purchases even more convenient. With Pay in 12, you can now spread your payments over 12 months, making the instalments smaller and more affordable.
How does it work?
It’s as simple as signing up with Pay in 12 on the PayJustNow app and providing us with a few details. Once you’re ready to check out, select Pay in 12 and pay for your purchases over 12 months.
Where can I use Pay in 12?
You can use Pay in 12 for all online and in store shopping purchases through PayJustNow. To see what stores are available, select the Discover page on the PayJustNow app.Stores Directory
How much interest do I pay?
You will see your interest rate – which is calculated as per the National Credit Act and our PayJustNow Terms and Conditions – when you open your account.
How do I pay my account?
Even though you sign up and make purchases for Pay in 12 through the PayJustNow app, FinChoice will collect your instalments via a DebiCheck debit order and your bank statement will show “FinChoice” for the transaction.
How do I view my statement?
You can log on to www.finchoice.mobi to view a mini statement. If you’re not yet registered with FinChoice, visit www.finchoice.mobi and use your ID and cell number to sign up.
How do I settle my account?
Get a settlement quote on www.finchoice.mobi or call us on 0861 346 246 and one of our friendly consultants will gladly assist you. You can also email us at info@finchoice.co.za to request a settlement quote. Please include the date on which you would like to settle your account.
How do I check my balance?
To check your outstanding balance, log on to your PayJustNow app.
How to make contact with FinChoice?
Send an email to info@finchoice.co.za or click here for other contact options.
How can I pay when I missed a payment?
Log in to www.finchoice.mobi and you can create a promise to pay or call our collections team at 086 134 6770. You can also email collections@finchoice.co.za Please note that FinChoice is required by the NCA (National Credit Act) to report missed payments to the Credit Bureau, which could affect your ability to qualify for further loans. A late payment fee may also be charged, and you might temporarily lose the ability to make additional purchases on your Pay in 12 account.
The benefits of Pay in 12:
Extended payment terms: With Pay in 12, you can now extend your payment terms beyond the standard PayJustNow instalment period of 3 months, giving you more time to pay off those bigger purchases.
Easy management: Pay in 12 (previously known as FinChoicePay) is part of the PayJustNow platform, making it easy to manage your payments and keep track of them.
Same convenience: Just like with PayJustNow, Pay in 12 offers the same convenience and easy experience, giving you hassle-free shopping.
How long is the approval process?
Approval can be as fast as 3 minutes. In some cases, it may take up to 24 hours, depending on whether we require more information to verify your affordability. We’ll keep you updated every step of the way.