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    credit

    credit facility

    Do you have an unplanned expense or would like to be prepared for emergency situations? Get a credit facility of up to R5 000 in minutes to take care of your needs.

    What is a credit facility?

    • Get up to R5 000 (depending on your affordability assessment)
    • The money is available immediately so you can do card payments or get cash at supermarket tills and ATMs
    • It's easy to use – transfer money to your transaction/savings account using your cellphone or Internet banking (Remote Banking) and our ATMs
    • Must be paid back in full each month
    • Reviewed at a branch every 9 months for your convenience

    Download our full credit flyer here

    Credit facility rates and fees

    • Initiation fee: R172.5 for the first R1 000 transfer up to R649.75 for following transfers

    • Monthly fee: R35 (without active balance owing) R69 (with active balance owing)

    Credit insurance

    Credit insurance is available if you don’t have your own.

    Documents you need when applying

    • Identification document (you must be 18 years or older)
    • Original proof of residential address (any of the approved documents in your name with your street address)
    • Latest salary slip
    • Stamped 3-month bank statement showing your last 3 salary deposits

    Download our free Good for Credit booklet for tips on handling credit.