Our Guides
Browse our collection of in-depth guides covering everything from South African credit law to practical tips for improving your credit score.
National Credit Act Explained
Understand the NCA, interest rate caps, affordability assessments, and your rights as a South African consumer.
Read Guide →How Personal Loans Work
A complete guide to personal loans in South Africa — how to apply, what fees to expect, and how repayments are calculated.
Read Guide →How to Improve Your Credit Score
Practical steps to check, understand, and improve your credit score so you can qualify for better loan rates.
Read Guide →Responsible Lending & Your Rights
Know your rights under the NCA, including cooling-off periods, affordability checks, and where to get help with debt.
Read Guide →Credit Bureaus in South Africa
TransUnion, Experian, XDS & Compuscan — how they work, how to get your free credit report, and how to dispute errors.
Read Guide →Affordability Assessment Explained
What lenders check before approving your loan — income, expenses, DTI ratio, and how to improve your chances.
Read Guide →Types of Loans in South Africa
Complete guide to personal loans, payday loans, secured loans, micro-loans, and more — which is right for you?
Read Guide →Calculators
Use our free tools to estimate your monthly repayments before you apply.
- Personal Loan Repayment Calculator — Enter your loan amount, interest rate, and term to see your estimated monthly instalment and total cost of credit.
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