The ScoreForge Pre-Approval Check helps you understand how your financial profile may be viewed by a lender — before you submit an application.
One flow, four moves — the same sequence every assessment runs, so you always know where you are in it.
Work through short, plain-English sections on your income, expenses, debt and credit history.
ScoreForge calculates your affordability and weighs every answer on both sides — what helps, and what could count against you.
Get a plain-language Credit Approval Readiness result, with the reasoning behind it — not just a score.
See a personal action plan, test “what if” scenarios, and ask ScoreForge questions about your own result.
Choose the credit you're considering — personal loan, vehicle finance, home loan, credit card, store account or debt consolidation — and tell ScoreForge the amount, term and purpose.
From there, ten short sections cover your household, employment, income, expenses, existing debt, payment history, credit score, report accuracy, recent applications and bank behaviour — broken up so it never feels like one long form.
Check My Pre-Approval ChancesAge, dependants, and who else contributes to the household.
Status, tenure, industry, and how consistent your income is.
Gross and net income against your real monthly essentials.
Existing repayments, missed payments, defaults, and judgments.
For every major answer, ScoreForge weighs what may help your approval and what could contribute to a decline — and explains the actual reason behind each one.
A result never says approved or declined. It shows a readiness category, the reasoning, and what to do next.
After your assessment, adjust the requested amount or an existing repayment and watch your readiness update in real time — then ask ScoreForge to explain why.
Illustrative example. Your own Pre-Approval Check page lets you drag a live slider between R1 000 and R300 000 and see the effect immediately.
We analyse the information you provide instead of giving generic credit advice.
No confusing financial jargon — every result is written in language you can act on.
We don't only tell you what looks good. We also show potential weaknesses and possible decline factors.
We don't just identify problems — we explain what you can potentially do about them.
Built around the South African credit environment, bureaus and lending behaviour.
Our educational credit guidance is free to use, always.
ScoreForge also helps you make sense of your full credit report — accounts, enquiries, arrears, defaults, incorrect information and the practical steps to improve your profile.
Understand My Credit ReportWe only ask for what's needed to run your check — income, expenses, debt and credit-history answers you choose to provide. We don't sell your personal information.
Read our Privacy pageFinancial information is personal. ScoreForge takes privacy and responsible information handling seriously, and we're upfront about what that does — and doesn't — mean in practice.
It takes about ten minutes, it's free, and nothing is submitted to a lender.
