Just Finance
BUY NOW, PAY LATER

Flex Pay

Split purchases into fixed monthly payments at participating retailers and travel partners. Shop now, pay over time — with no surprises.

0%–36% APR. Won't affect your credit score to check.

Why Choose Flex Pay?

Shop Anywhere

Use Flex Pay at thousands of participating retailers and travel partners.

Fixed Payments

Split any purchase into predictable fixed monthly installments.

0% Offers Available

Qualifying purchases may be eligible for 0% APR promotional periods.

1,000+ Retailers

Shop at your favourite brands and pay over time.

How Flex Pay Works

Flex Pay makes it easy to spread the cost of your purchases into manageable monthly payments.

  • Split purchases into 3, 6, 12, or 24 monthly payments
  • 0%–36% APR depending on the offer
  • Available at thousands of participating retailers
  • No impact to credit score to check eligibility
  • Instant approval decisions at checkout
  • Manage all your plans in the Just Finance app

Payment Example

Purchase Amount
$600
Plan Length
12 months
APR
0%
Monthly Payment
$50

0% APR available on qualifying purchases at participating retailers. Terms and eligibility vary. See offer details at checkout.

Shop now, pay over time

Use Flex Pay at thousands of retailers for a smarter way to buy.

0%–36% APR. Eligibility check won't affect your credit score.