Knowledge Base
Everything you need to know about financial wellness, credit health, and our services
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One payment or monthly instalments — which is right for you?
eKasi now offers two ways to repay, so you can pick what suits your situation. A single-payment loan is best for a short...
Monthly instalment loans: your questions answered
How many months can I choose? You can spread your loan over 2 or 3 months. Are the instalments the same each month? Yes ...
What does a monthly instalment loan cost?
The cost of a monthly instalment loan is made up of a few clear parts, all shown to you upfront before you accept. Inter...
When will my instalments come off?
Your instalments are collected on your payday. When you apply, you tell us the day of the month you get paid. Your first...
How monthly instalment loans work
A monthly instalment loan splits everything you owe — the amount you borrowed, the interest, and the fees — into equal p...
New: pay your loan back over 2 or 3 months
We've added a new way to borrow with eKasi. Instead of paying everything back on one day, you can now spread your loan o...
Credit Life FAQs
Here are the most common credit life insurance questions answered. In short: credit life is not funeral cover — it pays ...
Your rights under the National Credit Act
Credit life insurance is regulated by both the National Credit Act and the Long-Term Insurance Act, giving you specific ...
What happens after I submit a claim?
After you submit a credit life claim, you'll get an acknowledgement with a reference number, an initial review within 1–...
How to make a Credit Life claim
To make a credit life claim through eKasi Pay Credit, notify us as soon as possible — usually within 30 days of the even...
Documents you'll need for a claim
The documents you'll need for a credit life claim depend on the claim type. All claims need a signed claim form, a certi...
You can choose your own Credit Life policy
Yes — under Section 106(4)(b) of the National Credit Act you may substitute the credit life policy we offer with your ow...
How is my Credit Life premium calculated?
Your monthly credit life premium is calculated against your outstanding loan balance using the insurer's rate per R1,000...
What does Credit Life Insurance NOT cover?
Credit life insurance has limits. Common exclusions include suicide within the first 24 months, self-inflicted injuries,...
What does Credit Life Insurance cover?
Credit life insurance covers four main life events that could stop you earning an income: death, permanent disability, t...
What is Credit Life Insurance?
Credit life insurance is cover that settles what you still owe on a loan if you die, become permanently or temporarily d...
Open Banking vs Uploading a Statement: Which Should You Choose?
When you apply, you can verify your income two ways: connect your bank account via open banking (instant, automatic, and...
Is Open Banking Safe? Everything You Need to Know
Yes, open banking is safe. Your banking password is never shared with us — you log in directly on your bank's secure por...
What is Open Banking and How Does It Help Your Loan Application?
Open banking is a secure way to share your bank transaction history directly with eKasi Pay Credit — without handing ove...
How to Update Your Cellphone Number
To update your cellphone number on your eKasi Pay Credit account, email our support team with the subject "Cellphone Num...