Let’s make it clear.
Planned pricing · Not a credit offer
Everyday · R2,000.00 · 1 month
- First payment
- R2,305.00
- Last payment
- R2,305.00
See every rand of the cost
- You receive
- R2,000.00
- Interest (3% per month)
- R60.00
- Initiation fee (incl. VAT)
- R200.00
- Service fees (incl. VAT)
- R45.00
- Insurance (not included)
- R0.00
- Together reduction (already applied)
- R0.00
- Total cost of credit
- R305.00
- VAT included in fees
- R31.96
Your repayment schedule
| Period | Principal | Interest | Fees | Payment |
|---|---|---|---|---|
| Month 1 | R2,000.00 | R60.00 | R245.00 | R2,305.00 |
Planned monthly payments, not debit dates
- Month 1PaymentR2,305.00
- Principal
- R2,000.00
- Interest
- R60.00
- Fees
- R245.00
Principal is split across periods; the last payment includes any cent adjustment.
Paid partner link · How it works
The partner sets its own costs and eligibility. This estimate is not a partner quote.
Full-month planning estimate. Exact dates and partial months affect your final quote. Together conditions apply.
How this estimate works
Each period represents a full monthly planning period. Principal is divided across those periods; interest is 3% on the principal outstanding at the start of each period. The 10% initiation fee and R45 monthly service fee include VAT and do not attract interest in this model.
The dates in an actual agreement matter. Daily interest, calendar-month service-fee proration and the agreed repayment dates can change the amount. This planner is not a quotation, approval or statement of your eligibility.
Compare like for like
The returning-customer example reduces only the VAT-inclusive initiation fee by up to R30. The amount, term, interest rate and service fee stay the same. The 3% interest assumption is used for both first and subsequent loans; it is not advertised as a loyalty reward.
Read the Together rules for the proposed eligibility criteria. No personal status is checked here.