top of page

Buy Now, Build Your Credit Score & Pay Later

Allowing you to get the products you need while improving your credit score—all without the burden of debt or costly interest. 

Buy Now Pay Later

A payment method that allows you to make a purchase and receive the product  immediately but defer the payment for a later date. You can choose to pay back over 2 - 4 months without paying any interest.

Save Now Pay Later

A payment option enabling you to set aside funds for a specific item. Once half of the item's cost has been saved, it is dispatched, and subsequent payments continue until the full amount is recovered.

Payment

No credit check

Interest free

Build credit score

Shop the OnPay Store

Unlock your spending limit to shop top brands in electronics, home goods, apparel and more on OnPay.  With OnPay+ you can pay back over a longer period of time and enjoy faster delivery dates.

OnPaygraphic1.png

Shop by Category

Best
Price

How It Works

1. Create account

Sign up and receive your spending limit.

2. Search and find

Search and find your desired item from our range of products, select it and complete the order request form.

3. Select payment plan

Select a payment plan that works best for you and your circumstances.

4. Build your credit score

With OnPay +, we report your payments to major credit bureaus, helping you build or improve your credit history effortlessly as they shop 

John M.

"Good experience. Was able to get the phone I ordered and pay back over a period."

Brands

Image 2.png

Newsletter

Sign up to receive updates on new arrivals and special offers

Thanks for submitting!

bottom of page