Can You Still Get Credit After a Default?

Yes, you can get credit again after a default, but it takes time and the terms may be less favourable at first. Lenders treat defaults as a risk signal, so the priority is to settle outstanding debts, get your status updated to "paid up", and build a positive payment history. Responsible lenders still run credit and affordability checks.

Why a default makes borrowing harder

A default stays on your credit record and signals higher risk, so lenders may offer lower amounts or decline until your record improves. Importantly, responsible, NCR-registered lenders like eKasi Pay Credit do not "specialise" in lending to people in default — and we cannot approve anyone who is under debt review, has court judgments, or is in arrears. We lend responsibly, which protects you from worse debt.

How to improve your chances

• Settle your outstanding debts or make payment arrangements.
• Ask the creditor to update your status to "paid up" and request a clearance certificate.
• Avoid taking on too many new accounts at once.
• Focus on building a positive payment history over the coming months.

With time and discipline, your score can recover and more options open up. Read How to Rebuild Your Credit Score for a step-by-step guide, or see our FAQs.