What Is a Credit Score and How Do You Improve It?

A credit score is a number from 300 to 850 that represents your creditworthiness — how likely you are to repay what you borrow. In South Africa, higher is better: above 670 is generally good. You improve it by paying on time, keeping balances low, and managing existing accounts responsibly over time.

Credit score ranges

• Excellent: 800 – 850
• Very good: 740 – 799
• Good: 670 – 739
• Fair: 580 – 669
• Poor: 300 – 579

Why your credit score matters

Lenders use your score, alongside an affordability check, to decide whether to approve credit. A stronger score can mean access to more options. eKasi Pay Credit checks both your credit record and your affordability before approving any short-term loan.

How to improve your credit score

• Pay all loans and accounts on time, every time.
• If you are in good standing, you may be able to increase your credit line responsibly.
• Don't close an old credit card — show discipline and simply keep usage low.
• Avoid applying for lots of new credit in a short space of time.

For a deeper guide, read How to Rebuild Your Credit Score or visit our FAQs.