What is PayStretch? 

PayJustNow has partnered with FinChoice and now replaces what you may know as FinChoicePay on the PayJustNow app. With PayStretch, payments can be made over 12 months, allowing you to stretch your payments for bigger purchases. 

Why PayStretch? 

Instead of the standard PayJustNow 3-month instalment plan, we want to make shopping for those bigger purchases more convenient. With PayStretch, you can now stretch your payments over12 months, making your instalments more affordable. 

How does it work? 

It’s as simple as signing up with PayStretch on the PayJustNow app. Once you’re ready to checkout, choose PayStretch and you can then pay for your purchases over 12 months. 

Where can I use PayStretch? 

You can use PayStretch for all online shopping purchases through PayJustNow. To see a list of stores, visit the PayJustNow 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 PayStretch 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 PayStretch account. 

The benefits of PayStretch: 

Extended payment terms: With PayStretch, 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: PayStretch (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, PayStretch offers the same convenience and easy experience, giving you hassle-free shopping. 

How long is the approval process? 

If you see PayStretch in your app, it means you have been pre-selected to be part of our test group. 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. However, we’ll keep you updated every step of the way.