How to Build Credit From Scratch in South Africa

If you have never had a loan or credit card, your credit profile may be empty, which can make qualifying harder. Build credit safely by opening a small account or low-limit card, paying it in full each month, and paying bills like your cellphone or store account on time. Consistency over time is what counts.

Start small and pay in full

Open a small store account or a low-limit credit card and pay the full balance every month. Even a small personal loan repaid on time helps establish a positive record.

Pay your everyday accounts on time

Paying bills such as DSTV, cellphone contracts or retail accounts on time can help — some bureaus now include this data in your profile.

Be patient and borrow responsibly

Good credit does not happen overnight. Avoid unnecessary debt and only borrow what you can comfortably repay. When you are ready for a small short-term loan, eKasi Pay Credit assesses both your record and your affordability. Learn more in What Is a Credit Score and Why It Matters.