If you want to shop smarter and stretch your budget, the Float credit card solution could be the right choice for you. Float lets you use your existing Visa or Mastercard credit card to pay for items over up to 24 monthly instalments, all with zero interest and absolutely no fees. There’s no need to sign up for new accounts or complete paperwork, as it works with your current bank’s credit offering.

With Float, you can instantly split payments into manageable monthly portions—whether making a R15,000 purchase all at once or opting for smaller monthly payments like R2500 over six months. You continue to earn your standard credit card rewards, ensuring you get more for your money each time you shop.

How to Apply for the Float Payment Solution

Float stands out from other buy-now-pay-later options thanks to its simplicity and ease of access. Here’s a quick guide on how to start paying with Float:

• Choose Float as your payment method during checkout, online or in-store.
• Select your preferred number of instalments, up to 24 months.
• Enter your credit card details and confirm the purchase.
• There’s no paperwork or sign up required—just use your existing Visa or Mastercard credit card.

Float Credit Card Pros

The biggest advantage Float offers is true flexibility: no interest on purchases and the ability to divide payments into easily managed monthly instalments. You also avoid hidden fees or subscription costs entirely.

Another plus is the seamless user experience—no need for extra applications or approvals. As you shop, your usual credit card benefits like reward points remain active, so you don’t miss out on ongoing perks.

Float Credit Card Cons

Keep in mind, you’re still using your own credit line, so you’ll need available balance on your credit card to use Float. It doesn’t provide extra credit, just a smarter payment arrangement.

Additionally, the offer is limited to Visa and Mastercard credit cards. Those with other card types are not eligible for instalment payments with Float.

Verdict: Is Float Right for You?

Float’s zero-interest, fee-free instalment system is a compelling way to spread the cost of large purchases without overcomplicating the process. If you’re looking for flexibility and full transparency, it’s an excellent solution that works hand-in-hand with your existing credit. It’s best suited to users disciplined with their credit card spending.