What is Stitch Pay Later?

Stitch Pay Later lets you split a purchase into manageable monthly instalments when you shop online at hundreds of South African stores. You see exactly what you owe and when, before you commit. No revolving credit. No surprises.

One checkout, your choice

When you check out with Stitch Pay Later, the store you're shopping at decides which option to offer. Depending on the store, your purchase can be split interest-free, or paid over time with fair, transparent rates. Either way, your full payment schedule is shown before you confirm.

Two ways to pay

Split. At hundreds of South African stores, Split divides your purchase into monthly payments with no interest and no fees. The checkout price is the price you pay, divided across 2 to 6 instalments.

Extend. Available at selected bigger brand stores, Extend gives you access to a higher Pay Later limit, with fair financing rates shown upfront. Your first payment isn't due until a month after checkout.

Want the full comparison? See our Split vs Extend guide.

Why use Stitch Pay Later

• Totally transparent. Every payment, every date, every rand is laid out before you commit.
• You're in control. Choose your instalments at checkout, then manage everything from your Stitch account.
• Responsible by design. We check affordability before approving your spending limit.
• Hundreds of stores. Fashion, beauty, electronics, homeware, groceries, and more, wherever you see Stitch Pay Later at checkout.

How to get started

1. Visit a Stitch Pay Later store online. Browse and add to your cart at any store that offers Stitch Pay Later.
2. Choose Stitch at checkout. We'll run a quick check and approve your spending limit.
3. Pick your plan. Choose to pay over 2 to 6 instalments, depending on the store and what you qualify for.
4. Confirm and relax. Each monthly instalment collects automatically. No hidden fees. No surprises.