At 5Star Furniture, we understand that every household has a different budget. That is why we offer several secure and flexible ‘furniture payment options’ to make buying furniture affordable. All the different payment methods are available in-store and online.
Please note regarding the furniture payment options:
Credit and stretched payment options are subject to approval by the relevant payment provider.
Furniture Payment Options that are available in-store and online:
Payment option
How payment works
Interest
Approval required
Card Payment
Pay with any of your Visa, Mastercard,
or American Express in-store or online.
Mobicred is a revolving credit facility that allows approved customers to shop using
an available Mobicred credit limit. Once approved, you can select Mobicred during checkout and repay
your account through one monthly instalment. As you repay your account, your available credit increases.
Mobicred determines interest, account fees, repayment amounts and credit limits,
and these will be shown in your credit agreement. You will need:
A valid South African ID number
A bank account in your name
A valid cellphone number and email address
Supporting financial documents when requested
Best for: Customers who want to use an approved revolving credit facility and repay their account monthly.
– PayJustNow Pay Later
Pay over 3 months
PayJustNow lets approved customers split their purchase into 3 smaller payments.
How it works:
Pay one-third of the purchase amount immediately.
PayJustNow collects the 2nd payment according to your schedule, usually 1 month later.
PayJustNow collects the final payment on the next scheduled date, usually 60 days later.
Pay in 3 is interest-free when you make all payments on time.
PayJustNow manages your application, spending limit and payment schedule.
Missed or late payments may result in additional charges.
Best for: PayJustNow is interest-free when you make on-time payments while you enjoy your goods.
Flexible payment over 3, 4, 5 or 6 months. Stitch gives approved customers the option to divide their purchase into interest-freeinstalments over 3, 4, 5, or 6 months. Depending on your eligibility and the available plan,you may divide your purchase into two, three, four, five, or six payments.
You make your first payment immediately when you make the purchase.
Stitch collects the remaining payments automatically on the scheduled date.s
Stitch is interest-free when you pay on time.
Best for: Stitch is interest-free when you make on-time payments while you enjoy your goods.
Approved customers can divide their purchase into three equal payments. No interest,
activation fee, or monthly fees – pay on time!
Pay one-third immediately.
Pay one-third after 30 days.
Pay the final third after 60 days.
You need an eligible, verified GoTyme Bank account.
Best for: MoreTyme is interest-free when you make payments on time while you enjoy your goods.
– Pay on Delivery as a furniture payment option at 5Star Furniture
Available for qualifying Gauteng orders.
‘Payment on delivery’ is available for qualifying orders delivered within Gauteng. Our team will arrange
the delivery with you before delivery. We will confirm the amount and how you will pay before
we dispatch your furniture.
Payment on delivery is not currently available as a ‘furniture payment option’ outside of Gauteng.
Important information regarding furniture payment options at 5Star Furniture
All instalment and credit options are subject to approval by the relevant payment provider.
5Star Furniture does not determine your approval, credit limit, instalment dates,
interest rate or provider fees.
Please review the payment schedule and terms shown by your chosen provider
before confirming your purchase.
Missed or late payments may result in fees, interest or restrictions being applied
by the payment provider.
Furniture orders remain subject to product availability, delivery requirements
and the 5Star Furniture terms and conditions.
Frequently Asked Questions About 5Star Furniture Payment Options
Find clear answers to common questions about paying for your furniture with 5Star Furniture.
Which furniture payment options are best for me?
The best option depends on whether you want to pay the full amount immediately
or split the cost into smaller payments.
Card payment: Pay the full amount securely during checkout.
PayJustNow: Divide your purchase into three scheduled payments.
Happy Pay: Split an eligible purchase over two paydays, with zero deposit subject to eligibility.
Stitch: Choose from the available Pay in 2, 3, 4, 5 or 6 payment options displayed during checkout.
MoreTyme: Pay one-third immediately, one-third after 30 days, and the final third after 60 days.
Mobicred: Use an approved revolving credit facility and repay your account monthly.
Payment on delivery: Available as a ‘furniture payment option’ for orders delivered in Gauteng.
PayJustNow, Happy Pay, Stitch and MoreTyme really interest-free?
Yes, as long as you make all scheduled payments on time.
Does Mobicred as ‘furniture payment options’ charge interest?
Yes. Mobicred is a formal revolving credit facility and does charge interest.
Why was my payment application declined?
Applications may be declined because of affordability checks, eligibility requirements,
account history or identity verification.
How long does approval take on the different ‘furniture payment options’?
Often within a few minutes at checkout, no need to leave the website; proceed to the
checkout, and you will be guided through the process.
Will I only receive my furniture after the first instalment?
Yes. Once the first instalment has been approved and paid/completed,
your delivery will take place.
Why was my card payment declined?
Insufficient funds or available credit.
The card details were entered incorrectly.
The card is not enabled for online transactions.
You did not complete the OTP or banking authentication.
Contact your bank if the payment keeps getting declined, or try again when the networks are less busy
I was charged but did not receive an order confirmation. What should I do?
Contact 5Star Furniture with your name, email address, order details,
payment reference and proof of payment so the payment and order status can be checked.
How do refunds work with instalment payments?
Contact 5Star Furniture, and they will assist with the refund process.
The exact process and time required will depend on when the item is returned
and on the payment provider or bank.
Is payment on delivery available throughout South Africa?
No. Payment on delivery is a ‘furniture payment option’ available for Gauteng
customers only. A deposit will be required.
Any payment and delivery requirements will be confirmed before your order is dispatched.
Who should I contact if I have a payment problem?
Contact 5Star Furniture for questions about your order, stock, delivery, returns,
or whether a refund has been submitted, or anything regarding the ‘furniture payment
options’ that the offer.
Contact the relevant payment provider for questions about your application,
approval, payment schedule, spending limit, account login, missed instalment,
or provider fees.
