Get the super power to buy now & pay laterSplit your payments. No hidden fees, no late fees.
Never worry about making full payment again

Pay a fraction of the cost and split the rest over time, interest-free! With our app, you’ll always be one step ahead of your payment plan.

Discover deals and earn discounts

Enjoy exclusive deals from our partners, and earn discounts by referring your friends to Odiopay

Upgrade your shopping experience

Stay up to date on our latest partners, shop our wide range of stores, and split your payments - hassle-free!

How to spend your limit
Bill payment
How to buy now and pay later
Get prequalified

Apply for Odiopay EnjoyNow credit online, answer a few questions, submit your bank statement and get a real-time decision in minutes.

Start shopping

Shop from your favourite stores online or in-store and pay later with Odiopay.

Pick a payment plan.

Pick the payment plan that works for you and your budget—from 4 interest-free payments every 2 weeks to monthly instalments.

Start paying.

Setup automatic direct debits so that you don’t miss any payment.

Get the super-power to buy now and pay later anywhere
Subscribe to Odiopay deals, rewards and points