Your Path to a Stronger Credit Score Starts Here
OnPay+ is more than just a subscription—it's your gateway to financial freedom. Designed to help you build and boost your credit score with every smart financial move, OnPay+ empowers you to take control of your credit journey effortlessly.
How It Works
1. Subscribe to OnPay+
Sign up easily with a simple monthly fee.
2. Seamless Repayments
Your payments are automatically linked to your payroll, ensuring on-time, hassle-free contributions every month.
3. Track Your Progress
Monitor your credit score effortlessly with real-time insights through your personal dashboard.
4. Watch Your Credit Improve
Watch your credit score rise, unlocking access to better financial products and opportunities.
Why Choose OnPay+
Build Credit with Every Payment
Every time you make an on-time payment, we report it to credit bureaus.
Unlock Higher Spending Limits
As your credit improves, so do your financial opportunities. OnPay+ helps you qualify for larger spending limits.
Financial Empowerment
Gain access to tips, tools, and resources that help you make informed financial decisions.
No Hidden Fees
Transparent, predictable subscription costs—no surprises, just results.
Is OnPay+ Right for You?
If you’re looking for a smarter way to shop, build credit, and access faster delivery, OnPay+ is the perfect upgrade for just R49 per month.
Why Upgrade to OnPay+?
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Boost Your Credit – Every payment made through OnPay+ is reported to credit bureaus, helping you improve your credit score over time.
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Unlock Higher Spending Limits – Make responsible payments and qualify for increased spending power as you build a strong repayment history.
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Flexible Payment Plans – Enjoy the same easy Buy Now, Pay Later (BNPL) options with added perks.
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Reschedule One Payment per Purchase – Life happens! Need extra time? OnPay+ allows you to push back one repayment date per purchase for added flexibility.
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Faster Delivery on Your Orders – Get your purchases delivered in 2-4 days instead of waiting the standard 5-7 days.
Who is OnPay+ for
New to credit
Start building a strong credit history from scratch
Rebuilding Credit
Improve your score with consistent, responsible payment habits
Looking to Level Up
Optimise your credit profile for better financial products
“I never thought building my credit would be this easy! I got the new phone I wanted, set up manageable payments, and my credit score has been steadiy improving ever since. Highly recommended!”
Tshiamo M.
“As someone who’s been been working to rebuild my credit, this Buy Now Pay Later platform has been invaluable. I got the furniture I needed for my new department, and with every payment, I’m also repairing my credit.”
David S.
“I love how simple and transparent this service is. I was able to get the essentials I needed without jumping through the hoops, and seeing my credit score rise with each payment has been incredibly motivating. This isn’t just a shopping service; its a tool for financial empowerment.”
Lerato K.