betternow

Get better now. Pay better later.

Split any healthcare bill into interest-free instalments, timed to your salary dates. Get the care you need today.

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Why betternow

Why betternow

Flexible payment options

Choose Pay in 2 or Pay in 3 — interest-free instalments timed to your salary dates. Pay early any time, free.

Always interest-free

You pay your bill, never a cent more. No interest, no fees on your plan.

1-minute approval

Get approved online in 1 minute. No paperwork, no branch visits.

How it works

Health can't wait. Payments can.

Take your bill in smaller doses.

  1. 1

    Get treated today

    Ask for betternow at your practice, or tap the payment link they send you. No waiting for payday.

  2. 2

    Choose Pay in 2 or Pay in 3

    Split your bill into 2 or 3 equal, interest-free instalments timed to your salary dates. Pay the first today, the rest charged automatically to your card on your next paydays.

  3. 3

    Pay over your paydays

    Each instalment is charged to your saved card automatically on the date you chose. The price never changes — you pay your bill, never a cent more. Pay early any time, free.

betternow payment plan options — pay in 2 or pay in 3, interest-free
Getting started

All you need to get started

Give your health some credit — it's due.

A debit or credit card

Your instalments are charged automatically to your Visa or Mastercard — debit or credit.

1 minute

Sign up, have your ID handy, and complete a quick credit and affordability check — all online in about 1 minute. You'll need to be 18 or older with a good credit record.

betternow app showing an approved interest-free healthcare allowance
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Questions

Good to know

Is it really interest-free?
Yes. You repay exactly your bill amount, split into 2 or 3 instalments. No interest, no fees added to your plan. Instalments, not a loan that snowballs — the total never grows beyond your original bill.
How does my allowance work?
Once you're approved, you get an interest-free healthcare allowance — a spending limit you can use at any betternow practice. Bills get split into 2 or 3 instalments against your allowance, and your available balance reflects what you've repaid.
Is there a credit check?
Yes — a quick credit and affordability check when you sign up, done once, to set your allowance responsibly. It takes about 1 minute online, so you never take on more than you can manage.
What do I need to use betternow?
You'll need to be 18 or older with a good credit record. On the practical side: a debit or credit card (Visa or Mastercard) for us to charge instalments to, your ID for a quick verification, and about 1 minute to complete the credit and affordability check.
When are instalments collected?
Automatically charged to your saved card on the salary dates you choose. Pay early any time, free of charge.
Is my information safe?
Your data is encrypted end-to-end and processed over secure, audited rails, and handled in line with POPIA. We never sell your information.

Full recovery. Zero interest.

The best bill of health is one you can actually afford.

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