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    personalised credit

    Complete a free instant online estimate and we’ll call you to personalise your offer based on your credit profile and need.


              Whether you need to do home improvements, pay for your children's education to secure their future or buy a reliable car to get your family there safely – living better starts when you get credit for the right reasons. 

              Personalised credit means that you get the best offer based on your profile and your need, with lower fees and at the best possible interest rate. Remember that the term will affect your instalments, so be sure that you'll be able to repay the monthly instalments over the whole term. 

              • Get up to R250 000 over 1 – 84 months
              • Choose between the amount you want, the monthly instalment that suits your pocket, or the option that gives you the lowest interest rate
              • Credit is approved in minutes and the money is available immediately
              • Pay fixed monthly repayments
              • Get interest rates from 12.9%
              • Consolidate all your existing loans for easier monthly repayments

              • Add affordable credit insurance, including retrenchment and death cover

              • Manage your credit using our app

              Ways to apply

              Your offer is based on your affordability and credit profile

              • Your banking and credit history

              • Your income and expenses to see how much you can afford

              • How stable your source of income is, to make the best offer 

              • You choose the credit amount that you want

              • You choose the monthly instalment that suits your cash flow or the option that gives you the best interest rate

              Credit insurance

              Credit insurance is required for credit terms of 7 months or longer to cover death, permanent or temporary disability, unemployment, the inability to earn an income or retrenchment.

              Get an online credit estimate to see how much credit you qualify for or get more information about our credit insurance and claims process.

              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
              • Any original bank statement showing your latest 3 consecutive salary deposits (an over-the-counter bank statement must be stamped)

              Credit for business owners

              To apply for business owner’s credit, your business must be registered as one of the following:

              Note: We cannot grant credit to informally self-employed individuals, including freelancers and sole traders.

    Download our free Good for Credit booklet for tips on how to handle credit.