Yes, we carry out a credit check as part of our automated decision-making process. We have one of the most advanced references checking systems in SA because we’re only interested in lending to people who we believe can afford to repay us without undue financial stress.
We sometimes find first-time applicants suffer from anxiety about their credit history when they actually have nothing to fear! Remember our policies are very different to those of other lenders and banks, who are looking to predict your financial reliability over several years. So don’t get hung up about your credit score – it could be one of the deciding factors in our decision, but we also place emphasis on honesty and trust.