Yes. AZ Online offers Stitch Pay Later, which splits an order into monthly instalments, so you can buy a gaming PC, an upgrade kit or parts on monthly payments in South Africa. Stitch's standard plan, Split, carries no interest or fees as long as every instalment is paid on time. Stitch runs a credit and affordability check and decides, purchase by purchase, whether to approve you and which plans to offer, so approval is never automatic.
Pay Later is Stitch's product, not ours. We sell you the PC, Stitch pays us and you repay Stitch, so the rules on checks, fees and limits are the ones in Stitch's Pay Later (Split) terms. For what any store should offer on delivery, warranty and returns, see our guide on where to buy a gaming PC in South Africa.
AZ Online sells the PCs and parts linked in this guide. Prices and stock change daily, so we link to live pages instead of quoting prices.
How does Stitch Pay Later work at AZ Online?
Stitch pays us for your order and you repay Stitch in monthly instalments, the first of them on the day you order. Step by step:
- On the product page, the Stitch box under the price shows an estimated "from" amount per month.
- Add the items to your cart and check out. At the last step you are taken to Stitch's secure page to pay, and brought back to us once it is done.
- To pay with Pay Later you sign in to your Stitch account, or create one. Stitch verifies your identity, assesses your credit profile and affordability, and approves or declines the purchase.
- If it approves, Stitch shows you the repayment plan, with every amount and date, before you confirm. Stitch collects the first instalment at checkout and the rest automatically from your linked card or bank account.
- We ship. Orders placed before 12:00 on a working day go out the same day. Pre-built PCs and PC Builder orders need 2 to 4 extra working days for assembly first, so on those the first payment leaves your account days before the machine ships.
How much will each monthly payment be?
Each payment is the order total divided by the number of instalments in the plan you choose, with nothing added if you pay on time. Stitch's terms don't fix that number. Stitch decides which plan lengths to offer on each purchase, and you pick from those.
So treat the "from" figure in the Stitch box on our product pages as an estimate, not a quote. It assumes the longest plan shown in the box, and a shorter plan means bigger payments. An order of R12 000, for example, is R3 000 a month over four payments and R6 000 over two.
The plan Stitch shows you before you confirm is the real number. If it is more than you budgeted for, stop there.
What does Stitch Pay Later cost?
Split costs nothing beyond the price of the order, provided every instalment is paid on time. The terms describe it as "free of charge when instalments are paid on time", with no interest, service fees or account fees.
Miss an instalment and that changes. It stays owing, and the terms let Stitch charge a late fee, cut or suspend your spending limit until you are up to date, and demand the outstanding instalments on any other plans you have with it. No late-fee amount is published.
Stitch may also report the default to credit bureaus and recover its legal and collection costs, and your bank may charge its own fee for a failed debit. If you can see a payment is going to bounce, contact Stitch before the due date.
What does Extend cost?
Extend, Stitch's option to stretch an existing Split plan over more months, costs interest and a monthly service fee. Under the Extend terms it is a credit agreement with Stitch Services, which gives its National Credit Regulator registration number as NCRCP-23522. Stitch publishes no rates. The full cost, including the total you will repay, is in the quote you see before you agree.
Is there a credit check, and who qualifies?
Yes, there is a credit check. Stitch verifies your identity and assesses affordability and creditworthiness when you apply, and its terms let it check again each time you use Pay Later. To apply you must be at least 18 and a South African resident, have a South African bank account and a debit or credit card in your own name, and not be under debt review, sequestration or administration.
Approval is Stitch's decision, made for each purchase. Stitch's Pay Later page says being approved once doesn't guarantee you will be approved next time. The terms also say Stitch may share your payment history with credit bureaus, and that late or missed payments can affect your credit record.
What happens to the instalments if you return the PC?
You arrange the return with us, and you keep paying Stitch until the refund is confirmed. Under the terms, instalments stay due even when goods are returned, faulty or in dispute, until we approve the refund and confirm it with Stitch. That step is ours. Stitch then reduces what you owe, pays back anything you have paid beyond that and restores your limit.
Our refund policy gives you 14 days from delivery to return an unused item in its original packaging for any reason, and we pay the return shipping. A pre-built model from our catalogue qualifies. A PC assembled to your own specification does not, so settle the parts list before you order.
Faulty goods are a separate matter: the Consumer Protection Act covers them for six months, however you paid. Message us with your order number before you send anything back.
What are the ways to pay for a gaming PC monthly in South Africa?
You can spread the cost of a gaming PC with a pay-later plan, a credit card budget facility, a store account, rent-to-own or lay-by. They differ in when you get the PC, who you owe and what the arrangement can add to the price. AZ Online takes Stitch Pay Later and bank cards. We don't offer store accounts, rent-to-own or lay-by.
| Way to pay | When you get the PC | Who you owe | Approval | What it can add to the price |
|---|---|---|---|---|
| Stitch Pay Later (Split) | When the order is delivered | Stitch | Stitch, on each purchase | Nothing if every instalment is on time; a late fee if one is missed |
| Credit card budget facility | When you buy | Your bank | Your bank, when it gave you the card | Whatever your card agreement charges |
| Store account | When you buy | The account provider | When you open the account | Whatever the account agreement charges |
| Rent-to-own | You use it during the term and typically own it at the end | The provider | Set by the provider | Interest, fees or other charges under the agreement |
| Lay-by | After the final payment | The shop | Set by the shop | Set by the lay-by agreement |
Lay-by is set out in section 62 of the Consumer Protection Act: the shop holds the goods until you have paid in full. Rent-to-own usually takes the form the National Credit Act defines as a lease, where you pay periodically with interest, fees or other charges and ownership passes at the end of the term. Read the agreement and add up the total before you sign.
When should you not pay monthly?
This is our view as the shop, not financial advice: don't pay monthly for anything you wouldn't buy at full price today. Choose the PC first, then decide how to pay for it. If the payments on a shorter plan than you hoped for would leave you short in an ordinary month, that PC is too expensive for now. A plan that only works if Stitch later lets you extend it is the same PC with interest added.
The better fix is a smaller total. An upgrade kit fitted into the case you already own costs far less than a new PC, and the PC Builder lets you trim a parts list until the number fits. Our list of the best gaming PCs by budget shows what each price level buys.
Questions people ask
Can you finance a gaming PC or buy one on credit in South Africa?
Yes, but know which kind of agreement you are signing. Split charges no interest when it is paid on time. Extend is a credit agreement with interest and a monthly service fee. A credit card or store account is credit you already hold, at whatever that agreement charges.
Does AZ Online offer rent-to-own, or monthly payments without a credit check?
No. We don't offer rent-to-own, and Stitch runs a credit and affordability check before it approves any Pay Later purchase. The alternatives are a smaller order you can pay for in full, or saving for the one you want.
Will Stitch approve me if my credit record is poor?
Nobody can tell you in advance, us included. Stitch decides on each purchase at its own discretion. What its terms do rule out is applying while you are under debt review, sequestration or administration.
What is the most I can put on Stitch Pay Later?
As much as the spending limit Stitch gives you, which frees up again as you repay. The terms set no rand minimum or maximum. The Stitch box appears on every product page whatever the price, so a monthly figure on the page is no promise that Stitch will approve that order.
Is delivery still free if I pay monthly?
Yes. Standard delivery is free on orders of R2 500 or more however you pay. After dispatch the courier takes 1 to 3 working days to the main centres and 2 to 4 further out, per our shipping policy.
Next steps
- Upgrading the PC you have: see the upgrade kits, or the processors if your motherboard is staying.
- Buying a complete machine: browse the pre-built gaming PCs, and check the stock label and the graphics card line on each one.
- Setting your own total: build to a number in the AZ Online PC Builder.
- Buying a screen too: choose from our monitors, and add it to the total before you look at the instalment.
- Delivery, warranty and returns in full: read our FAQ.
- Questions about an order or a parts list: WhatsApp us, weekdays 08:00 to 17:00. Questions about your application, limit or payment dates go to the Stitch help centre.