Float offers a refreshing alternative to traditional credit card repayments in South Africa. With Float, you can use your existing Visa or Mastercard credit card to buy what you want now and pay it off in zero-interest instalments over up to 24 months. There are no additional sign-up requirements, no fees, and the process is seamless for both online and in-store shopping. Importantly, you still earn your usual rewards while enjoying the freedom of flexible payments.

How to Apply: Step-by-Step

• Select Float as your payment method at checkout.
• Choose the number of instalments to split your purchase.
• Enter your credit card details and confirm the payment.
• Your purchase is complete; repayments are processed automatically with zero interest or added fees.

Top Benefits

One major advantage is that Float charges zero interest—unlike typical store budgets or credit card budget options. This means your repayments stay constant and predictable, with no hidden costs.

There’s also no need to sign up separately and no paperwork, which removes traditional hurdles. You can pay for thousands of products at many top South African retailers, both online and in-store.

Potential Drawbacks

However, Float only works with existing Visa or Mastercard credit cards, so those without these cards can’t use the service. The offering is tied to your available card limit, so large purchases are restricted by your own credit line.

Some in-store merchants may not accept Float, limiting on-the-ground options compared to the wide online network.

Final Verdict

Float stands out as a genuinely flexible and cost-saving way to manage your spending with your credit card. Those seeking a fee-free, interest-free instalment option should consider trying out Float’s straightforward process for seamless shopping and budgeting.