SETLA Pay Later
Apply for a personal spending limit. If approved, use it towards eligible orders and manage repayments from your SETLA dashboard — always 0% interest, no hidden fees.
Discover your limit →
Flexible payments with SETLA
Buy now.
Pay later.
SETLA Payments gives eligible 4REGN and UNIK Labs customers flexible ways to pay. Apply once, receive a personal spending limit, and manage every payment and order from one place.
0% interest, alwaysNo hidden fees
SETLA PaymentsAvailable at 4REGN + UNIK Labs
Choose what works for you
Two ways to pay.
SETLA Laybuy
Reserve your order and pay the balance in manageable instalments at 0% interest. Production begins once the balance is complete.
Explore Laybuy →Worth applying either way
No credit history? That's okay.
New to credit? You can still apply.
Having little or no credit history doesn't automatically mean you won't qualify. SETLA considers your affordability and other eligibility information when reviewing your application.
Start small. Build your SETLA history.
New customers may start with a smaller spending limit and unlock higher limits through responsible use.
Your SETLA limit is based on your individual application.
New to credit? You can still apply.
Some customers may start with a smaller Starter Limit.
Check what I qualify for Get up to R5,000 in spending limit to spend on 4REGN + UNIK Labs.See it before you commit
What could a SETLA payment look like?
Use the arrows to preview premium 4REGN product examples. The selected product, repayment calculator and example limit update together so customers can understand the offer at a glance.
Example SETLA account
R5 000 spending limit
Available before purchase
R5 000
Choose a product
Preview one premium example at a time.
4 instalments
R87.50 today, then every 14 days
01
Today3 Aug 2026
R87.5002
14 days later17 Aug 2026
R87.5003
28 days later31 Aug 2026
R87.5004
42 days later14 Sep 2026
R87.5001
Today3 Aug 2026
R17502
30 days later / next payday2 Sep 2026
R1750% interest, always. Example only — actual eligibility, approved limit, repayment dates and terms are personal to you and shown before confirming a SETLA order.
Example SETLA limitR5 000
Used by this orderR350
Available after purchaseR4 650
Your SETLA account
See your spending power at a glance.
Your personal limit, amount used, next payment and active orders live in one place. Complete your application to discover your own decision.
S
Available to spendR3 500
Active order1
Next paymentR125
4REGN active order · R500 usedNext R125 · 17 Aug
→Responsible by design
A clearer application journey.
01
Create your account
Start with your contact details and enter your SETLA dashboard. You can continue the application when you're ready.
02
Complete & verify
Add the identity, affordability and banking information needed for review, including a live selfie where required.
03
Get reviewed
We assess affordability and verify that identity and banking information match.
04
Track everything
See your decision, spending limit, payments, due dates, orders and support in one account.
What we review
Personal, responsible decisions.
Identity & address
Your ID, live selfie, residential details and proof of address help us confirm your identity and prevent duplicate or fraudulent applications.
Affordability
Recent bank statements help us understand regular income, essential commitments and whether a payment plan is manageable for you.
Your options
If Pay Later is not available, you can appeal, use SETLA Laybuy, or submit a new application after three months.
Ready when you are
Start with an account. Finish the application when it suits you.
Your progress is saved, so you can come back when you have your ID and supporting information nearby.