Buy now.
Pay way later.
Choose Float at checkout to split credit card purchases into bite-size monthly payments.
Works with any Visa or Mastercard credit card.
How Float works
Float takes your
credit card further
Like a budget facility, but interest-free. Always.
Float works with any existing Visa or Mastercard credit card
Buy now.
Pay way later.
Get your purchase today and use the available limit on your credit card to pay in up to 24 interest-free, fee-free monthly instalments.
Zero interest.
Zero fees.
It’s all the perks of your credit card, but none of the cons. No interest, no fees, no extra credit – and no catch. Just shopping joy on your terms.
No applications.
No credit checks.
It’s your credit already, so there are no applications or credit checks. The cherry on top? You continue to earn your reward points.
Merchants
Where to Float
Shop thousands of products across furniture, sports equipment, luxury fashion and so much more.
New merchants
Quick and easy
Paying later
with Float
It's as quick and easy as a regular credit card purchase. No sign up required – just shopping joy on your terms.
bigger, better, smarter
What makes
Float unique
Bigger
Orders
Float is the most no-brainer way to pay for big purchases using your credit card. As long as you have the available credit on your card, you can split that big order into bite-sized payments.
Flexible
Instalments
Float lets you choose the number of interest-free, monthly instalments that suit you, giving you all the time in the world to manage your credit card payments.
No
New Credit
Unlike other financing options, Float does not issue you with any new credit. We simply help you use your existing credit in a smarter way. It’s all the perks of your credit card, but none of the cons.
Pure pay later
joy with your
credit card.
All the time in the world to pay.
None of the extra interest.
Need help?
Frequently Asked
Questions
Any questions not answered by our Frequently Asked Questions? Contact us for more help.
Float is a buy now pay later platform that lets you split purchases over up to 24 interest-free, fee-free monthly instalments using the available limit on your existing Visa or Mastercard credit card, without any application or credit check.
Think of it like an interest-free ‘budget facility’ – you get to enjoy your purchases today, pay for them over time and you don’t take out any extra credit to do so, either.
The benefits of Float are simple:
Float splits your purchase into easy-to-manage, bite-size monthly instalments (as opposed to charging you the full amount up-front like a regular credit card transaction). In short – we buy you all the time in the world to settle your credit card balance. This is especially useful for those BIG value purchases.
- Float never charges you interest, fees, or late fees. Ever.
- Float helps you to use your existing credit on your credit card in the best way possible, so you’re not taking on any new credit.
- The cherry on top? You still get all your rewards points for using your credit card!
Yes – keeping your information secure is a top priority for us.
Float uses a PCI DSS Level 1 certified processor (the highest level of credit card data security standards) to handle your credit card data. This means we never store your credit card details and they always remain safely and securely encrypted. Float also makes use of 3D Secure to approve your initial payment authorisation, for an added level of security.
We also fully comply with POPIA in how we handle your personal information. For full details of our Privacy Policy click here.
At the time of purchase, the full purchase amount will be reserved on your credit card, but only the first interest-free instalment will be charged. The remaining instalments are charged on the same day each month. As you pay each monthly instalment, the amount reserved will reduce to the remaining balance of the purchase until your purchase is fully paid.
You can use Float in 3 easy steps. There is no application and no credit check.
- Select Float as your payment option at checkout.
- Choose your number of instalments.
- Enter your credit card details and Float it!
No – when you use Float to make a purchase, there is no application or registration whatsoever.
Because Float uses your existing credit card, we only require your credit card details and that you have the full amount of your purchase available on your credit card. Simple as that.
Float does not impose any limits on the size of purchases – we simply work within the available limit on your credit card. The bigger your available limit, the bigger the purchase you can make!
However, some merchants set their own maximum purchase value for Float transactions. Please contact them directly if you’d like to make a purchase larger than their maximum purchase value.
Float works with any Visa or Mastercard credit card. As with any other credit card purchase, you need to ensure that you have the full purchase amount available on your credit card.
No. Float only accepts Visa and Mastercard credit cards with the full purchase amount available in your balance.