Shop Now, Pay Later
AI-powered credit scoring gives you instant access to buy-now-pay-later. Pay-in-4 interest-free or choose Flex plans for 3, 6, or 12 months.
How It Works
Apply
Apply at checkout or in-app. Our AI scores you in under 30 seconds using your KAD activity.
Get Approved
Receive your credit limit instantly. No paperwork, no income proof for standard limits.
Shop
Use your BNPL credit at any KAD merchant across all 19 Kavod platforms.
Repay
Pay-in-4 splits into 4 equal payments. Flex plans offer 3, 6, or 12 month terms.
Key Features
AI Credit Scoring
Our proprietary model scores you based on your platform activity, payment history, and savings behaviour — not just bureau data.
Pay-in-4
Split any purchase into 4 equal fortnightly payments with zero interest. Available at all KAD merchants.
Flex Plans
For larger purchases, choose 3, 6, or 12 month repayment at competitive rates starting from 2.5%/month.
NCA Compliant
Fully compliant with the National Credit Act. Responsible lending with affordability assessments.
Credit Building
On-time payments improve your KAD credit score, unlocking higher limits and better rates over time.
Merchant Integration
Merchants get paid instantly. BNPL is built into the checkout — no separate integration needed.
API Endpoints
/bnpl/applyApply for BNPL at checkout
/bnpl/credit-scoreGet AI credit score profile
/bnpl/credit-limitGet available credit limit
/bnpl/repayMake a repayment on an instalment
/bnpl/applicationsList BNPL applications