We explore what a low credit score means for you. such as will you pay them back on time, or how often is your credit card maxed out. If you have a low credit score and would like to try apply for a loan, the @2019 Wonga Online ( Pty) Ltd | Physical Address: 1st floor, 33 Bree Street, 8001, Cape Town, South Africa. Your credit score directly affects your ability to obtain credit and existing interest rates, so These individuals will easily obtain credit and receive very low interest rates. By law, South African citizens are entitled to one free credit report per year from one of the Personal loans. APPLY How To Choose A Credit Card If you're building credit, secured credit cards or credit-builder loans may help, as can being an authorized user on a card with a long history of on-time If you're thinking of applying for an FHA loan, we can help. Answer Low down payment.