Buy Now, Pay Later

Your credit card. Your installment plan. Zero interest.

Float splits any credit card purchase into 3, 6, 12, or 24 equal monthly installments at 0% interest. No new credit application. No hidden fees.

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What Float does

Five things that make Float different

Split-from-Statement

Convert existing balances — not just new purchases

Unlike checkout-based BNPL, Float works on transactions you already made. Log in, choose any transaction from the past 30 days, and split it. No merchant partnership needed.

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WhatsApp-First

Payment reminders where you already are

Upcoming debit reminders, plan summaries, and installment confirmations arrive on WhatsApp — 90%+ penetration in South Africa. No app download required.

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DebiCheck Authenticated

You authorize every debit before it runs

Float uses South Africa's DebiCheck authenticated debit system. You confirm the exact amount and cadence before the first collection — no surprises, no unauthorized charges.

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How it works

Four steps from statement to installment

Connect your card

Choose a transaction

Select any eligible transaction from your current statement — Float shows you what you can split.

Pick your term

Choose 3, 6, 12, or 24 months. See the exact monthly amount before you confirm — no surprises.

Authorize and relax

Confirm your DebiCheck mandate in your banking app. Float handles the rest and keeps you updated on WhatsApp.

What cardholders say

Real people, real installments

I split a R7,500 appliance purchase over 12 months. The interest I would have paid to the bank was more than R1,400. Float cost me nothing. It took about three minutes to set up.

Nomsa K. Beta user, Cape Town

I didn't know you could split a statement balance after the fact. I'd already spent the money on flights and dreaded seeing the interest stack up. Float saved that.

Ruan V. Beta user, Johannesburg

The WhatsApp reminders are genuinely useful. I always know exactly what's coming out and when. Nothing mysterious about it — that alone earns the trust.

Priya N. Beta user, Durban

Your credit card. Your installment plan. Zero interest.

Five things that make Float different

Convert existing balances — not just new purchases

Payment reminders where you already are

You authorize every debit before it runs

Four steps from statement to installment

Connect your card

Choose a transaction

Pick your term

Authorize and relax

Real people, real installments

Stop paying revolving interest on large purchases