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    credit

    the benefits of credit

    Get long-term personalised credit of up to R230 000, a multi loan for daily needs or apply for a home loan by SA Home Loans. 

    Your credit options 

    Loan

    Up to R230 000 cash over 84 months based on your affordability and credit profile. Learn more

    Multi loan

    A monthly loan of up to R4 000 for daily needs, emergencies or unplanned expenses. Learn more

    Home loan

    R100 000 to R5 million over 240 months from SA Home Loans. Learn more

    How to qualify

    If you answer 'Yes' to all of the following questions, you could qualify for credit: 

    • Are you 18 years or older? 
    • Do you have a recent bank statement and salary slip/pension letter? 
    • Are you employed (not self-employed) or do you earn a pension?
    • Have you been with your current employer for longer than 2 months?
    • Do you earn a salary (not just commission) which is paid into your bank account? 
    • You haven't been handed over, sequestered or placed under debt review/administration?

    Self-employed? If you determine your own salary and payment date, you unfortunately don’t fall within our credit-granting policy.

    Credit comparison tips

    • Look at the total repayment amount over the full term
    • While the interest rate is an important factor, don't let it be the only one
    • Understand the fees (once-off initiation fee and monthly service fee) and consider credit insurance (we offer this free on loans 6 months or longer)