Buy now, pay later for salon equipment and hair products: Payflex, MoreTyme and Mobicred explained

A new dryer, a clipper upgrade or a fresh backwash all cost money before they make money. Here is how the pay later options at Lime Light work, how they compare, and how to use them wisely for your salon, barbershop or beauty business.

Published 20 November 2026 by Lime Light Hair & Beauty Products.

What is buy now, pay later?

Buy now, pay later (often shortened to BNPL) lets you take your order now and pay for it over a few weeks or months. You pay the first part at checkout, and the rest comes off your account on set dates. The provider pays Lime Light upfront, so your order is processed in the normal way.

For salons and barbers, it is a handy way to spread the cost of a bigger purchase such as a professional hairdryer, clippers, furniture or a big stock order, without one large payment landing all at once.

How does Payflex work?

Payflex is a South African buy now, pay later service. Approved shoppers can pay once-off or split an order into 2, 3 or 4 instalments, interest-free.

• Pay in 4: 25% at checkout, then three more payments every two weeks, so the order is paid off in six weeks.
• Pay in 3: the first payment upfront, with the balance split over your next two paydays.
• Pay in 2: the first payment upfront, with the rest on your next payday.
• Interest-free: when you pay on time. Missed payments can lead to fees, so check the schedule before you confirm.
• Getting started: register on the Payflex website or app, or at checkout, to see how much you qualify for.

The plans you are offered are shown at checkout, along with every amount and due date.

How does MoreTyme work?

MoreTyme is the buy now, pay later option from GoTyme Bank (previously TymeBank). It splits your purchase into three equal payments:

• One third at checkout, straight from your GoTyme Bank account.
• One third after 30 days.
• The final third after 60 days.

There is no interest, no activation fee and no monthly fee. A late fee and interest may apply if you miss a payment. To use it, you need the GoTyme Bank app and an approved MoreTyme limit, which you can activate in the app. Your limit is based on how you use your account and your credit record.

How does Mobicred work?

Mobicred is different from the other two. It is a revolving credit facility for shopping online: you are given a credit limit, you shop with it at participating stores, and you pay it back in one monthly instalment that covers all your spending. As you pay it off, your available spend goes back up.

• To apply you need: a valid South African ID number, to be 18 or older, a bank account in your name, and a valid email address and mobile number.
• How to apply: complete the online application, get an instant response, accept the terms to get your credit limit, then upload your documents.
• Good to know: because it is a credit account, check the interest and fees in your Mobicred agreement before you buy.

Payflex vs MoreTyme vs Mobicred: which is best?

There is no single "best". It depends on how quickly you want to pay it off and which accounts you already have:

What can salons and barbers buy on pay later?

Anything in your online basket can go on your pay later option. These are the purchases where spreading the cost makes the most sense, because they earn money back every working day:

• Tools: Parlux and IHT hairdryers, Wahl clippers and trimmers, irons and wax heaters.
• Furniture: wash stations, styling and barber chairs, trolleys, stools and treatment beds. See our Salon furniture buying guide 2026.
• Equipment: hood dryers, facial steamers and hot towel cabinets. See our Salon equipment guide 2026.
• Opening stock: colour, developers and salon-size backwash care when you are starting out. See Opening a salon in South Africa: the complete starter stock list.

How do I pay later at Lime Light?

1. Shop online at limelighthb.co.za and add your products to the basket.
2. Go to checkout and choose your pay later option.
3. Sign in or register with the provider and check your plan, amounts and due dates.
4. Pay the first part and we process your order as normal.

Approval and limits are decided by the payment provider, not by Lime Light. The options you see at checkout are the ones available to you on the day.

Is buy now, pay later a good idea for my salon?

Used well, it is a useful cash flow tool. Used badly, small payments can add up. A few simple habits help:

• Use it for things that earn. A dryer or clipper you use on every client pays for itself; impulse buys do not.
• Match it to your bookings. Check that the payment dates fall when money comes in.
• Do not stack plans. Several plans running at once are easy to lose track of.
• Set reminders, or keep funds in the account the provider debits, so you never miss a payment.
• Read the terms. Each provider sets its own approval rules, fees and limits.

Want to see a chair, wash station or dryer before you buy? Visit the Lime Light Super Store, the largest showroom of its kind in South Africa for dedicated wholesale hair and beauty products, at Block B, Tripark, 17 Eastern Service Road, Kelvin, Sandton.

Frequently asked questions

Is Payflex interest-free?

Yes, Payflex instalments are interest-free when you pay on time. Missed payments can attract fees under Payflex's terms.

Does MoreTyme charge interest?

No. MoreTyme has no interest, activation fee or monthly fee. A late fee and interest may apply if you miss a payment.

Is Mobicred the same as Payflex?

No. Payflex splits one order into a few payments. Mobicred is a credit account with a limit that you pay back monthly and can keep using.

Can I use buy now, pay later for salon furniture?

Yes. Add your furniture or equipment to your online basket and choose your pay later option at checkout, subject to the provider's approval and your limit.

Do I need a trade account to pay later?

No, but salons and beauty professionals should open a trade account for trade pricing. Visit our website and hit register, fill in the details and we will approve your account.

What happens if I return an item?

Our normal returns policy applies. Once the refund is processed, the provider adjusts your payment plan.

Can I pay later in store?

Our pay later options are offered at our online checkout at limelighthb.co.za. If you are in store and want to pay later, ask our team to help you place the order online.

Shop and pay later at Lime Light

• Shop online: limelighthb.co.za, and choose your pay later option at checkout.
• Visit the Super Store: Block B, Tripark, 17 Eastern Service Road, Kelvin, Sandton, the largest showroom of its kind in South Africa for dedicated wholesale hair and beauty products.
• Open a trade account: visit our website and hit register, fill in the details and we will approve your account.
• Call us: 011 262 2451 | Email: online@limelighthb.co.za