Flexibility at Your Fingertips
Discover our new payment options designed to make your shopping experience easier and more convenient.
Enjoy the products you love with flexible payment options. With our new Flexicredit and Layby options, you can access your favourite items with ease. Flexicredit allows you to make a deposit and pay the balance over 3 or 6 months, with 0% interest on select plans. Prefer to plan ahead? Layby allows you to secure items today and pay over 3 months, interest-free, with zero deposit required. Both options offer the flexibility and convenience you deserve, making it easier to enjoy your favourite TC products!
SECURE YOUR FAVOURITES with TC Layby
Why choose TC layby




Reserve your favourite TC products today with TC Layby. Pay over time, interest-free, and enjoy the convenience of having your purchases delivered right to your doorstep.
GET IT NOW PAY LATER with Flexicredit
Why choose TC Flexicredit




Enjoy the convenience of shopping now and paying later with Flexicredit. With a simple deposit you can get the products you love and choose the payment terms that suit your budget.
Whether you choose Flexicredit or TC Layby, we’ve got a payment option that works for you. Ask your TC Business Builder or Manager for more information or register on the TC Connect App to apply.
Disclaimer: Terms and conditions apply. Applicable fees include an initiation fee, interest on 6-month plans, and a monthly admin fee. Please note that consumables, food, beauty, health products, and sales aids can not be purchased on Flexicredit.
Frequently Asked Questions
TC Layby allows you to reserve your favourite products today and pay for them over 3 months, interest-free.
No deposit is required. You can start your layby without any upfront payment.
You have 3 months to pay off your layby, with flexible payment options to suit your needs.
You can make payments via Pay@ and Direct Deposit.
Your items will be delivered to your door after your last instalment payment has been made.
Yes, you can cancel your layby at any time. Please consult with your TC Business Builder or Manager for further details
Ask your TC Business Builder or Manager for more information or register on the TC Connect App to apply.
FlexiCredit is a credit agreement that allows you to purchase goods and pay for them over an agreed period, typically 3 or 6 months.
To apply for FlexiCredit, you need:
- To be 18 years or older.
- A valid South African Identity Document (ID).
- An active cellphone number.
- Your bank account details.
- Proof of income (e.g., salary slip or rental income).
- Proof of address (e.g., municipal account or rental agreement).
- A minimum deposit: 33% for a 3-month plan and 16% for a 6-month plan.
- You must have a minimum income of R1,500 per month.
- You must have a clear credit record.
- You must demonstrate the ability to afford the repayments.
- Pre-approval typically happens within a few minutes.
- Final approval depends on how quickly you submit the required supporting documents.
Pre-approval will be communicated via SMS to your provided cell phone number.
TC Finance will collect the instalments on the agreed due date via a DebiCheck debit order from your bank account.
DebiCheck is a specific type of debit order that you confirm electronically on a once-off basis at the start of your contract. It ensures that you verify the details of the debit order with your bank before it is processed.
- If the instalment sale is approved within 15 days of the agreed instalment day, your debit order will be processed in the following month.
- If approved more than 15 days before the instalment day, it will be processed in the same month.
Yes, you will receive a reminder SMS 5 days before the instalment is due, reminding you to have sufficient funds available in your account.
If you miss a payment, you need to contact us to arrange payment of the missed instalment.
You can pay with cash, debit/credit card, EFT, Pay@, or EasyPay.
The FlexiCredit option is available via the TCD App
All items except perishable items can be purchased using FlexiCredit.
Yes, you can request a settlement quote to pay off the outstanding amount at any time.
No, the instalment will be collected on the agreed date.
You will receive a monthly statement detailing your account.
- Visit us at www.tcfin.co.za.
- Call the call centre on 010 634 5245.
- Email us at [email protected].