One flow: you answer, ScoreForge analyses both sides of every answer, explains the reasoning in plain English, and helps you improve before you apply.
Choose the type of credit — personal loan, vehicle finance, home loan, credit card, store account or debt consolidation — then 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.
Net income minus living expenses minus existing debt repayments gives your estimated disposable income. We then estimate the repayment on your requested credit and see what's left. For every major answer, ScoreForge considers what may help approval and what could contribute to a decline.
Your Credit Approval Readiness is shown as a category — Strong, Good, Moderate, Weak or High Risk — never a false “approved” or “declined.” You'll see your strongest factors, potential concerns, and the specific reasons a lender could decline the request.
Drag a slider to see what a smaller loan or lower debt repayment could do to your result. Then ask ScoreForge directly — “why could I be declined?”, “what should I fix first?”, “what if I apply for R20,000 instead?” — and get an answer based on your own information.
ScoreForge uses this to assess affordability. Actual lenders may calculate affordability differently — this is an estimate, not a lender's methodology.
