3.2/10
Our Score
Rating Breakdown
21 reviews
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🛡️ Our Honest Take
Let's talk about what 35% per annum actually means in rand. On a loan of R5,000 over 90 days, you would be looking at interest of roughly R431, bringing your total repayment to around R5,431 before any initiation or service fees are added. Those fees, charged under the NCA, can add another R600 or more depending on the loan amount. So the real cost of borrowing is higher than the headline rate suggests. Always ask for the total cost of credit before you sign.
The rate itself is not the main problem here. Thirty-five percent per annum is on the lower end for short-term credit providers in South Africa, where rates can climb much higher. So why does SA Credit Check rank 34th out of 37 lenders we reviewed?
Because rate is only one part of the story. The absence of a working website is a serious concern. You cannot read the terms and conditions, you cannot verify their NCR number easily, and you cannot compare fees without contacting them directly. That lack of transparency is a problem in any financial product, and it is a bigger problem when we are talking about a lender handling personal and banking information.
The customer reviews we collected back this up. With only 11 reviews and a trust score of 4.8 out of 10, the feedback is thin and not encouraging. Complaints tend to centre on communication and the overall application experience rather than the rate itself.
So is it worth applying? Our honest take is no, not before you have tried other registered, transparent lenders first. The rate has some appeal. Everything else about this picture gives us pause. If you are in a tight spot and need cash quickly, there are lenders ranked much higher on this site who offer comparable amounts with clearer terms and better customer experiences. Start there.
All Reviews (21)
fix my credit score
I spoke with Nobuhle yesterday, she is knowledgeable and sounded professionally, really hope that what she promised is what i will get. Looking forward for this company to clear my name
PUIK DIENS/ EXCELLENT SERVICE
Excellent service from Rachel Mathebula. Very friendly and helpful, efficient and effective service. The best!!!
SA credit check
5 star for Lerato Radebe she was knowledgeable, patient, and highly competent. I'd give her my highest recommendation!".
Struggling with loan n account
M Samuel Tau from viljoenskroon in Free state i was struggling with loan n account but now m happy I have a car 2025 Polo Vivo 1.4,SA credit check help me.............. things SA credit check n Rachel Mathebula
excellent
Thank you very much for helping me to clear my name from debt review I was assisted by a lady called Reggalia and her service was very good I just needed to be patient and I managed to get a cellphone contract in December.
SA credit check ****
Sa credit check is a ****ming people , I tried to contact them they not answering calls , they are deducting an amount of R1883 , to remove my debit review but they is no proof of payment and they said they get back to me in 21 days for the removal of the debit review letter even now I’m still waiting . I even contacted the bank they are no help.
EXCELLENT
I would like to give thanks to SA credit check they assisted me in removing two Judgments against my name, I really struggled for years with this. Thanks to the company with their wonderful service and for being patient with me I know I used to call them so many times. THANK YOU!!!!
Hi my is Bafana David Sibisi ID no **********080 I need your help
Hi my is Bafana David Sibisi ID no **********080 I need your help. There is company called S.A CREDIT CHECK promise to remove me from debt review. I pay full amount of R4500 they I must pay for three but I did pay them in two months. Till today no help from them when I call they keep promising empty promises. They promised to help me in 21days to 90days to my name now is six months nothing happening they're contact number is ********** or **********.please help me
excellent
The company assisted me very well and last month I was able to purchase a vehicle all thanks to them as I struggled for a very long time now I have a good credit profile and thank you again SA CREDIT CHECK.
Excellent
I would like to thank SA CREDIT CHECK for helping me to clear my name as i was struggling with being under debt review for such a long time. It only just took them just a few months to have it sorted for me. I managed to buy my first car this year. Thank you again
excellent
I would like to thank SA credit check for assisting me and my husband to clear our name from ITC as we were struggling to get a home and now our dreams have come true thanks to the company 🙌🙌🙌.. I recommend the company to anyone who need assistance with their ITC profile.
Excellent
I would like thank SA Credit Check for assisting me to clear my name from ITC as I have struggled for more than 6 years .Now I am credit worthy and just got my first property all thanks to them 🙇♀️💃💃💃💃💃💃🫠
My experience since i came here
My experience since i came here. Is ohk
Working here has been nothing but amazing
Working here has been nothing but amazing. The help you get when you are new and how welcoming all staff members are. My journey here and a new employee has been nothing but amazing and I am creatful to the wonderful team who assisted me and the training I have received
I got the best servi...
I got the best service and everything was done as they promised
My journey with SA credit check has been amazing, haven’t been here for a long time but I appreciate the support I receive from my colleagues and leaders
My journey with SA credit check has been amazing, haven’t been here for a long time but I appreciate the support I receive from my colleagues and leaders. They are great team players.
This is a striking organization that generally offers potential open doors to people who are strong and can adjust to a call community climate
This is a striking organization that generally offers potential open doors to people who are strong and can adjust to a call community climate. They allow everybody an opportunity to substantiate themselves qualified to be utilized positively and productively.
I was assisted by th...
I was assisted by this company they removed me under debt review then got my clearance certificate I am now able to apply for finance
They assisted me wit...
They assisted me with removing my name from ITC and now I was able to get a credit card thank you so much guys and keep up the good work
I spoke to kenelwe she helped me clear my name from debt review
I spoke to kenelwe she helped me clear my name from debt review.im very happy and greatful for everything because they so honest and loyal 🙏🏻😍
It's a great company...
It's a great company with Fair management, and reasonable commission structure for agents who enjoy conversing with serious clients.
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