Skip to content



Mobicred can be used for payments up to R35,000. For payments in excess of R35,000, please transfer into our bank account at Absa Bank | Account Name: Digital Factory (Pty) Ltd | Account Number: 409 367 4363 | Branch Code: 632005 using your order number as a payment reference.

Mobicred is a digital credit facility that allows you to shop on Digital Factory (Pty) Ltd and repay the amount in monthly instalments.

The displayed monthly payment amount is indicative monthly pricing for 12 months at 19.5% interest per annum including a monthly fee but excludes a once-off account initiation fee.

Please note the interest rate is subject to change. NCRCP 38/FSP 44481.

How does it work?

  • The customer applies on
  • If approved, they are granted a credit limit, much like a credit card.
  • When they want to spend, they simply select Mobicred from the payment options in the checkout on PayFast, and type in their username and password.
  • If the purchase is approved, they are sent a One Time Pin to their mobile, which they type in to finalise the transaction.


  • Payments clear instantly
  • Gives access to buyers without credit cards