Free readiness check

Your goal. Your score target. Your gap.

Home loans, vehicle finance and personal loans are each judged against their own score target and affordability limits. Answer three quick questions and see where you stand. Free, no card needed.

Step 1 · What are you working towards?

Step 2 · Where do you stand today? (all optional)

Do you know your current credit score?

Most South African banking apps show your score at no charge (a number between 300 and 999).

Monthly income before deductions

Monthly debt repayments today

Nothing here is saved or sent anywhere until you create your free account.

These figures are planning targets based on the standards South African lenders commonly apply. They are not a credit decision, a quotation or a guarantee of approval. CreditReady SA is not a lender or a credit bureau; bureau data inside the dashboard is drawn with your POPIA consent.