IMAGINARYPAYMENTS
Experience seamless shopping with our app! Easily pay for your purchases in four manageable installments—no interest and no surprise fees. Simply choose your favorite products, select the installment option at checkout, and enjoy immediate access to your items while spreading your payments over time. With just a few taps, you can take control of your budget and shop confidently, knowing that financial flexibility is at your fingertips.
PAYINFOUR
We make it flexible
Whether it’s a new phone for your side hustle or groceries for the week, choose a payment plan that fits your budget, so you can buy what you need when you need it.
No hidden fees—ever
We keep things transparent. You’ll never pay late fees, processing fees, or surprise charges. Just one clear, upfront agreement that you can count on.
What you see is what you get
With traditional credit, the longer you wait to pay, the more you owe. With Imaginary Payments, you’ll know the exact amount of every installment—and when your purchase is fully paid off, without the extra costs.
So, how do we make money?
We earn a commission from the businesses we partner with, and in some stores, shoppers may pay interest on certain purchases.
But unlike traditional lenders, we’re not here to profit from late fees or keeping you in debt. Our goal is to offer a transparent, flexible payment option, giving you a great experience so you’ll keep coming back to Imaginary Payments.
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The Imaginary Pay in 4 option offers 0% APR with no interest or hidden fees. Available options depend on your purchase amount and may vary by merchant. A down payment may be required. For example, a K1,000 purchase could be split into 4 interest-free payments of K250 every 2 weeks.
Accounts held with Imaginary Payments are managed by Zambian partner banks and financial institutions regulated by the Bank of Zambia. Imaginary Payments itself is not a bank.
Residents of Zambia: Imaginary Payments lending services are licensed under the Zambian Financial Services Act. Loans are provided or arranged in partnership with licensed financial institutions.