Readiness score and target
A single score measured against the level lenders expect: 620 for a home loan, 590 for vehicle finance. It updates as your record and settlements change.
Services
Everything you need to qualify — in one membership.
One flat fee of R199 a month. No application fees, no per-report charges, and no cash ever paid into your account from a settlement loan.
Immediate tasks
Your defaults and judgments listed worst-first, each with the plain instruction to settle it so the adverse status clears and your score can climb.
Stress-tested affordability
Your repayment worked out at 12.50% (base rate plus a 2% buffer) over 20 years for a home or 5 years for a vehicle, and checked against what you actually earn.
Internal consolidation loan
If affordability fails, we offer one compliant repayment that clears your listed debts. Funds go straight to each creditor — never into your account.
Account closure tracking
Every settled account is tracked from settlement letter to bureau update, with closure letters on file and a live activity feed you can follow.
Pre-approval certificate
Once you are fully ready, your certificate unlocks — proof to take to an estate agent or dealership that your finances have been verified.
Financial wellness add-ons
Once you are cleared: credit protection, budgeting guides, side-hustle ideas and a personal loan optimiser to keep your record healthy.
Personal loans
Not buying a home or a car? Members can request an unsecured or short-term personal loan from their dashboard. Our team quotes your figures on National Credit Regulator rules after an affordability check.
Refer a friend earnings
Your own invite link pays R29.85 per friend every month they stay subscribed. Seven friends cover your R199; anything above that is guaranteed earnings.
Debt review exit tracker
If you are under debt review or administration, your dashboard includes a step-by-step exit tracker, document checklist and clearance request. We do not provide counselling — we keep your plan organised while your registered counsellor clears you.
What it costs
R199 per month
Cancel any time. A consolidation loan, if you take one, is quoted separately and repaid at a rate that fits the affordability we calculated for you. If you are under debt review or administration, your exit tracker is included at no extra cost.