The OptiCred application process is quick, easy and intuitive.

Step 1:
Complete the "Apply now" form on this page, and receive an answer via SMS within 30 seconds.

Step 2:
Follow the link in the SMS to complete the application on your mobile device. Alternatively, download the paper application here and email to enquiries@opticred.co.za. Additional documentation required can be uploaded on the mobile application, or emailed to enquiries@opticred.co.za

Step 3:
You will be notified of the facility granted via SMS and phone call when the affordability evaluation process is complete and you are ready to spend.