A buy now, pay later feature

Spot Me Now allows your to split your purchase into 4 interest-free payments over 6 weeks, so that you get what you need, when you want.

*ts&cs apply

10 days to shop

Once activating Spot Me Now, pay 25% today, then spend! You have 10 days to shop - online or in-store.You do not need to spend the full amount that you initially accepted.

After the 10-day shopping window, your payment plan is recalculated & your outstanding balance is paid over 3 instalments every 2 weeks.

Shop anywhere

Get your very own Spot Me Now debit card, and use it to shop absolutely anywhere - online or in-store. Order a physical card from your Spot App and link it to your Spot Me Now account. Start shopping straight away.

Alternatively, us your Spot Me Now virtual card for secure online shopping!

Never miss a payment

We will keep you on track with payment reminders via email, in-app and push notifications. 

BONUS: after your successful final payment, you can re-activate Spot Me Now and shop all over again!*

Shop Literally Anywhere

How Does It Work?

Download Spot to get started.


Apply for Spot Me NowSign into your Spot app, tap the 'Spot Me Now' icon on the home screen, and click 'Activate Now'.


Set your own limitChoose how much you want to spend according to what’s on offer. Instant approval with no impact on your credit score.


10 days to shopPay 25% today, and then spend! You don’t have to spend the full amount you accepted. Whatever you don’t spend gets refunded.


1 payment every 2 weeksAfter the 10-day shopping window has closed, your payment plan is recalculated and your outstanding balance is paid in 3 equal instalments.

All Your Questions - Answered.

Not the answers you're looking for?

Spot Me Now is an exclusive service that gives you the flexibility to buy products in advance and pay the funds back in 4 equal instalments, interest-free. This means you’ll never have to worry about making an additional payment for the money you borrow if it’s paid back on time.

With Spot Me Now, you’ll be able to buy products and services in-app and at any online store using your virtual Spot Me Now card. You’ll also be able to instantly order a physical card which will allow you to buy goods at any physical store.

This means you’ll never have to wait for payday to buy something you see on special or for that unforeseen emergency since our instalment plans are interest-free.

Spot Me Now is only visible to qualifying customers. If you’re eligible, you can activate Spot Me Now by following these steps:

  1. Sign in to your Spot app.
  2. Tap Transact at the bottom centre of your app.
  3. Select Spot Me Now.
  4. Tap the Register Now
  5. You’ll be presented with the spend amount you qualify for. Enter or toggle an amount less or equal to the limit and hit Shop Now.
  6. We’ll show you how your instalments will be structured. If you’re happy, tap Continue.
  7. Tap Add Card to link your 3rd party bank card to your Spot Me Now account. This will be used as your secondary payment method and for your first instalment.
  8. Enter your card details and tap Save.

Once your card details are linked tap Continue.

Your Spot Me Now eligibility depends on the score we receive from the soft credit score look-up done on your profile. The better your credit score, the more money we can offer you.

Another good-to-know is that the amount we offer is personalized to each customer. This means we may increase your Spot Me Now offers over time as we get to know you better.

Using Spot Me Now won’t affect your credit score if you repay your instalments on time.  If you default on your instalment repayments, this might not affect your credit score, however, it will affect your eligibility to access future Spot Me Now offers.

Paying your Spot Me Now instalments on time generates increased trust on your Spot Profile. This in turn, allows us the opportunity to offer you optimized and personalised services based on the good standing of your profile.

When you activate Spot Me Now, you’ll have 10 days to spend anywhere you want (yes, anywhere!).

If you were to take R1000 credit, when you activate the Spot Me Now you’ll be charged a R280 upfront. The R30 is non-refundable and the R250 is your first instalment.  If you do not use any of the funds, the R250 will be refunded back to your Spot Money Primary wallet; and the remaining available amount will fall away. You only need to pay back what you spend, not the full amount that you accepted when activating Spot Me Now. After 10 days, we’ll recalculate your remaining instalments based on how much you spent.

Yes! Your installments will always be interest and fee-free as long as you pay on time. We’ll be sure to send you a reminder before your installments are due and you’ll have a full breakdown of your installment structure on your app so you can avoid any default fees for missing an installment.

We take the safety and security of our data and platform very seriously. The service we provide is in association with Bidvest Bank and powered by MasterCard, the world’s biggest and most trusted payment processor.


We meet all industry standards for protecting your personal information. Our policies safeguard the collection, use, and disclosure of your information. We use a variety of industry standard methods to keep our network secure and your data safe.

For more on this take a look at how we protect you.

Download Spot & Maximise Your Money

App Store

50K+ downloads

Google Play

100K+ downloads


35K+ downloads

Spot app is an offering by Spot Money SA (Pty) Ltd (2005/016196/07) in association with Bidvest Bank Ltd (2000/006478/06), an authorised FSP and credit provider.

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