5Star Furniture Payment Options = Flexible, affordable furniture

At 5Star Furniture, we understand that every household has a different budget. That is why we offer several secure and flexible ways to pay for your furniture and
delivery. All the different payment methods are available in-store and online.

Please note: Instalment and credit payment options are subject to approval by the relevant payment provider.

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.	Yes -your card provider’s normal terms apply.	No
Mobicred	Use your available Mobicred credit limit and repay through monthly instalments.	Yes. Interest, 12 months	Yes, subject to Mobicred approval.
PayJustNow	Pay one-third when you make the purchase and the last 2 payments on the following 2 monthly payment dates/scheduled payments.	No, Interest-free 3 payments	Yes, subject to PayJustNow approval.
Stitch	Divide your purchase into 3,4,5 and 6 monthly payments – you choose when outstanding payments are due on your chosen payment dates.	No. Interest-free 6 payments	Yes, subject to Stitch approval.
MoreTyme	Pay one-third immediately, one-third after 30 days and the final third after 60 days.	No. Interest-free 3 payments	Yes, subject to MoreTyme approval.
Payment-on-delivery	Pay the outstanding amount when your order is delivered. Available in Gauteng only.	Card payment	No

More About Each of the 5Star Furniture Payment Options

Card Payment

Full payment

Pay the full purchase amount securely online and in-store using your credit or debit card.

We accept Visa, Mastercard, and American Express cards.

Best for: Customers who would like to pay the full amount immediately.

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Mobicred

Revolving credit

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 spread their payments over 12 months.

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PayJustNow

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 second payment according to your agreed payment schedule, usually one month (30 days) 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 payments on time while you enjoy your goods.

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Stitch BNPL

Flexible payment over 3,4,5 or 6 months

Stitch gives approved customers the option to divide their purchase into interest-free instalments over 3, 4, 5, or 6 months. You can choose. Depending on your eligibility

and the available plan, you may divide your purchase into two, three, four, five, or six payments. How it works:

You make your first payment immediately when you make the purchase.
Stitch collects the remaining payments automatically on the dates shown in your Stitch payment schedule.
Stitch is interest-free when you make on-time payments. Missed payments may result in default fees or other charges.

Best for: Stitch is interest-free when you make on-time payments while you enjoy your goods.

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MoreTyme

Pay over 60 days

MoreTyme by GoTyme Bank is available through PayFast. Approved customers can divide their purchase into three equal payments. MoreTyme has no interest, activation fee,

or monthly fee when you make payments on time. Your payment schedule:

Pay one-third immediately.
Pay one-third after 30 days.
Pay the final third after 60 days.

You will need an eligible and verified GoTyme Bank account. MoreTyme GoTyme Bank determines approval and spending limits.

Best for: MoreTyme is interest-free when you make payments on time while you enjoy your goods.

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Payment on Delivery

Payment-on-delivery is part of the ‘5Star Furniture payment options’ offered to our Gauteng customers. Unfortunately, only in Gauteng. Payment on delivery is available for qualifying

orders delivered within Gauteng. Your order may be verified before delivery is arranged. We will confirm any payment requirements and delivery conditions with you before we dispatch

your furniture. Payment on delivery is not currently available for orders delivered outside Gauteng. Important information regarding 5Star Furniture payment options

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.

FAQ’s regrading the ‘5Star Furniture Payment Options’:

Find answers to common questions about the ‘5Star Furniture payment options’ to make paying for your furniture easy.

Which payment option is best for me?

The best payment option depends on whether you want to pay the full amount immediately or split the cost into smaller payments; therefore, we offer a variety of ‘5Star Furniture Payment Options’.

Card payment: Pay the full amount securely during checkout.
PayJustNow: Divide your purchase into three scheduled payments.
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 for qualifying orders delivered in Gauteng.

Are PayJustNow, Stitch and MoreTyme really interest-free?

Their qualifying instalment plans are interest-free when you make all scheduled payments on time. Missed or late payments may result in late fees, default fees, interest or account restrictions,

depending on the provider and payment product. Always check the payment schedule and provider terms before confirming your purchase.

Does Mobicred charge interest?

Yes. Mobicred is a formal revolving credit facility and differs from short-term, interest-free instalment options. Interest, initiation fees, monthly service fees and repayment amounts may apply. Your

specific costs will be shown in your Mobicred pre-agreement and credit agreement.

Is approval guaranteed?

No. All instalment and credit payment options are subject to approval by the relevant payment provider.5Star Furniture does not make the approval decision and cannot override a declined application,

spending limit or credit limit.

Why was my payment application declined?

Applications may be declined because of affordability checks, eligibility requirements, account history, identity verification, an insufficient spending limit, or unverified information. The payment provider manages the application and will be best placed to explain the decision or advise whether more information is needed. 5Star Furniture payment options differ, and the criteria vary. Do try another provider that might approve you.

What do I need to apply for an instalment option?

Requirements differ between providers, but you will generally need:

A valid South African ID number
A South African cellphone number
A valid email address
A qualifying bank account or bank card in your name
Sufficient funds for the first payment

Mobicred may also request recent bank statements, payslips or other financial documents. MoreTyme requires an eligible and verified GoTyme Bank account.

How long does approval take?

Many applications receive a decision during registration or checkout; this takes one or two minutes. Your order can only be confirmed once the payment provider has authorised the purchase and you’ve completed the required first payment. We try to make ‘5Star Furniture Payment Options’ quick and easy without completing documents.

Can I pay my instalments early?

Yes, Early-payment rules depend on the provider. Check your provider account before making an additional payment.

Will I only receive my furniture after the final instalment?

No. You will receive the furniture immediately after you make the first payment.

What happens if I miss an instalment?

The provider may try to collect the payment again. Late fees, default fees, interest or restrictions on future purchases may apply. Missed payments on formal credit products may also affect your credit profile, depending on the provider and agreement. Contact the provider as soon as possible if you know that a scheduled payment may not go through.

Why was my card payment declined?

A card payment may be declined because:

Insufficient funds or available credit.
The card details were entered incorrectly.
The card is not enabled for online transactions.
You didn’t complete the OTP or banking authentication.
The bank declined the payment for security reasons.
The card type is not supported.

Check your details and banking app before trying again. Contact your bank if the payment keeps getting declined.

I was charged but did not receive an order confirmation. What should I do?

Don’t place the order again immediately, as this could create a duplicate payment. Contact 5Star Furniture with your name, email address, order details, payment reference and proof of payment. They can then check the payment and order status.

How do refunds work with instalment payments?

Contact 5Star Furniture and follow the applicable returns and refund process. Once a refund has been approved, 5Star Furniture will request the payment provider
to reduce your outstanding instalments, settle the remaining payment plan or refund amounts that you have already paid. The exact process and time required will depend on when you return the item and your payment provider or bank.

Is payment on delivery available throughout South Africa?

No. Payment on delivery is currently available for qualifying orders delivered within Gauteng only. Orders outside Gauteng must be paid using one of the online payment options available during checkout. 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. They can assist with all your questions regarding ‘5Star Furniture payment options’.Contact the relevant payment provider for questions about your application, approval, payment schedule, spending limit, account login, missed instalment or provider fees.