Pay Now, Buy Later
Spread the cost without borrowing
Savvi turns instalments on their head: you save towards your purchase in monthly payments and receive your item once it's fully paid. The anti-BNPL.
- No credit
- No debt
- No interest
- No late fees
- No credit checks
Save monthly, then receive your item.
Interest-free monthly payments, and your item ships after your final payment.
Three steps to your purchase
Step 1
Choose Savvi at checkout
Pick how many monthly instalments suit you. Your first instalment is collected today — that's it.
Step 2
Save automatically
Instalments are collected monthly and safeguarded on an auditable ledger. Top up, extend, or cancel for a full refund anytime.
Step 3
Receive your item fully paid
When your target is reached, Savvi orders your item from the merchant and it's delivered to your door. Nothing owed.
Why choose Savvi
Your money stays yours
Every instalment is safeguarded and recorded on an immutable double-entry ledger until your purchase completes — or refunded in full if you cancel.
Nothing to repay, ever
Savvi never extends credit. A missed instalment just delays your order — it can never create debt, fees, or harm your credit score.
Price certainty options
Choose Price Lock and the merchant honours today's price for your whole plan, or stay Flexible and we'll alert you if anything changes.
For shoppers
Budget for the things you want without turning to credit. Track every plan, update delivery details, top up early, and cancel for a full refund whenever you like — all from your Savvi account.
For merchants
Convert budget-conscious customers you'd otherwise lose, with zero credit risk — you're paid in full before you ship. Add Savvi to your checkout with a one-line embed, and manage products, pricing modes, fulfilment, and settlements from the merchant portal.
Demo environment
Try the Savvi checkout
Experience the full customer journey on our demonstration merchant stores. Payments run against a test account — no real money moves.
