It’s nearing the end of the month, and that usually means a few nervous glances at the ‘ol bank balance with payday around the corner.

Look, we feel you, and so does the team at PayJustNow, a South African tech start-up that has garnered a huge amount of interest since going live earlier in the year.

The concept is a simple one, but it’s one that many South Africans who shop online will be thankful for, especially when you’re pinching pennies in the home stretch.

To put it simply, it’s a ‘buy now, pay later’ solution to shopping online. When you buy something, you pay a third of what you owe, and the rest in two easy, interest-free instalments.

The only fees that they charge are for late payments, and to make sure you don’t forget, they’ll send you a monthly reminder prior to your payment date.

See – simple.

Shop, select PayJustNow as your payment method, spend a minute or two setting up an account (we are suckers for efficiency), and you’re good to go.

They have already signed up a number of merchants, and the list is growing rapidly.

Via their ‘Stores’ section, let’s have a look at where you could use the payment solution:

That’s just a snapshot of the merchants they work with, and you can see the full list here.

Pro tip – buy somebody a Freedom of Movement goodie and they’ll love you for the rest of their lives. It’s science.

To make use of this interest-free shopping payment alternative, with zero hidden costs, head over to PayJustNow and have a look around.

I don’t know who needs to hear this, but retail therapy is far more fun when you’re not paying interest on your purchases.