OctiFi Now,

Pay Later.

Pay over 3 instalments. No interest. No hidden fees.
Shop responsibly and be rewarded with the largest credit available in the market.

Shop with GainCity

Pay in 3 instalments with 0% interest charges when you use OctiFi to pay for your purchases at GainCity!

Get additional discounts when you spend before 30th September.

Make every purchase


Split the cost into 3 easy instalments. Always 0% interest and no hidden fees.

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Finally, a spending system that works for you, not against you.

Say goodbye to high interest rates and escalating debt. Buy what you want today and pay over time, interest free, forever

Get Singapore's First Paylater card

Enjoy true credit by paying in 3 parts over 3 months for NO EXTRA charges for all your transactions.

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How does it work?​

Flexible payment options

Choose to pay back early and earn more spending power

Grow with us. Build your credit history your way.

Ready to give OctiFi a try?

Make your purchase today and start enjoying what you’ve ordered right away.

Download OctiFi App

Available on both Android and IOS

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