What is the best alternative to Mobicred in South Africa?

For BNPL at checkout in South Africa, Happy Pay, Float, and PayJustNow are the closest substitutes. Happy Pay is positioned around splitting purchases over two paycheques, while Float supports splitting Visa or Mastercard credit card purchases into up to 24 monthly instalments.

What can I use instead of Mobicred if I want to pay in 3 or 12 instalments?

Use PayJustNow, it supports splitting purchases into 3 or 12 payments (online and in-store) at partner retailers. If you want a longer plan, Float supports instalments up to 24 months for eligible credit card purchases.

Is Mobicred available outside South Africa?

No, Mobicred operates in South Africa only, so you will need an alternative if you are elsewhere. For multi-country product financing, M-KOPA operates across Nigeria, Kenya, South Africa, Ghana, and Uganda.

Which apps are like Mobicred for financing essentials like a smartphone?

For pay-as-you-go smartphones and essential products, M-KOPA is the most direct match. It is designed around repaying in daily, weekly, or monthly instalments rather than a single revolving credit line.

I’m a ride-hailing or delivery driver, what is a good Mobicred competitor for vehicle financing?

Moove is built for drive-to-own vehicle financing for ride-hailing and delivery drivers. It operates in Kenya, South Africa, Ghana, and Nigeria, so it can fit if you work across those markets.

Is Mobicred licensed, and how does that compare with similar apps?

Mobicred (Pty) Ltd is a registered Credit Provider in South Africa (NCRCP 10896), and it partners with RCS, a registered credit and authorised financial services provider. If you are comparing with other South Africa options, Happy Pay and PayJustNow are BNPL alternatives to shortlist, then confirm credit-provider registration details during signup.

What’s a good Mobicred alternative in South Africa if I want something investment-linked, not BNPL?

If your goal is to store value and borrow against an asset rather than split retail purchases, Troygold is a South Africa-based option. It is focused on buying, selling, storing, and borrowing against insured 1oz Krugerrands held in vaults, which is a different model from BNPL.

Top 24 Best Mobicred Alternatives & Competitors (2026)

The most practical Mobicred alternatives for shoppers in South Africa in 2026 are Happy Pay, M-KOPA, Float, Shecluded, and Lucred. The right pick depends on whether you want BNPL at checkout, a revolving credit line, or financing tied to a specific product like a phone or vehicle.