Whether you're shopping online, in-store, or on the go, our app makes it simple to break down payments over time at all your favorite places. With just a few taps, you can select an interest-free, four-installment payment plan that gives you immediate access to your purchases. It’s quick, transparent, and flexible—helping you manage your budget while enjoying the freedom to buy what you need, when you need it, without surprise fees.
Step 1
Download the app
Visit the app store and download the Imaginary Payments app on your mobile device. It’s available for both iOS and Android.Step 2
Create an Account
Once installed, sign up by providing your basic details. This includes your full name, contact information, and email address.
Step 3
Submit Required Documents
To complete registration, you’ll need to upload: Your TPIN (Tax Payer Identification Number) A 6-month bank statement showing your financial history Your NRC (National Registration Card)Proof of residence, such as a utility bill or rental agreementStep 4
Get Verified
After submitting your documents, our team will review your application. Verification usually takes a short time, and you’ll receive a notification once approved.
Step 5
Shop at our Partner Stores
Once your account is verified, you’re ready to shop! Visit any of our partner stores, and use Imaginary Payments to manage your purchases with flexible payment options.How Payment Plans Work
We offer flexible payment plans to meet your needs. Compare the options below:
| Features | Pay in 4 |
|---|---|
| Purchase Amount | K50–K3,000+ May differ by store |
| Number of Payments | 4 |
| Payment Duration | Every 2 weeks |
| Payment at Checkout | Down payment may be required |
| Interest | Interest-free |
| Fees? | Never |
| Credit Impact to Apply? | None |
| Credit Impact with a Loan? | May impact if delinquent |
Options depend on your purchase amount and may vary by merchant.
Our Socials:
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.