Verify Income
DoneUpload a recent payslip or bank statement to establish financial stability.
2
Build Payment History
In ProgressMake consistent payments — even small accounts like a phone contract count.
3
Reduce Existing Debt
Lower your debt-to-income ratio. Focus on the smallest balances first.
Tips From People Like You
Pay on time, every time
Payment history is the biggest factor. Set up debit orders.
Keep utilisation below 30%
R10k limit? Keep balance under R3k. Signals responsible usage.
Space out credit applications
Each application creates a hard enquiry. Wait at least 3 months.
Check your credit report
Dispute incorrect information — it could be dragging your score down.