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Save2Buy Calculator
Our StoreWe don’t check your credit.
We build it.
Every other lender starts by judging you. Save2Buy starts by trusting you, and lets your own payments do the talking. Finish your plan without missing a payment and a major South African bank rewards your discipline with a real credit card worth 25% of everything you bought.
12 payments. 12 pieces of proof. 1 bank credit card. (on a 12-month plan)
What’s your card worth?
Move the slider to what you’re buying, pick your term, and watch your passport fill.
Card issued by our partner bank on completion of your plan with every payment made on time, subject to the bank’s approval and standard card terms. Your Save2Buy plan is interest-free and fee-free either way.
Four moments. One record.
Every payment earns a stamp in your Credit Passport. Fill it, and the last stamp is a bank saying yes.
Your first yes
Choose your product and a term of 5 to 15 months. No credit check, no deposit, no interest. Your passport is issued.
A payment, a stamp, a message
Your debit order goes through and we stamp your passport and tell you how many are left to your card.
Get it
Your goods are delivered. You use them while you finish paying, and the stamps keep coming.
Graduate to a credit card
Your full passport becomes your card application, pre-filled from your own payment record.
Graduation day.
Finishing your plan is treated like graduating, because it is. On your final payment you get your completion pack, and your card is handed over in person at our store, with your photo on the graduates wall if you want it there.
A major South African bank
The card is a real bank credit card in your name, issued on the strength of your Save2Buy record. We’ll announce our partner here as soon as the paperwork is signed.
The bank makes the final decision on every card in line with the National Credit Act. Save2Buy earns you the reward; the bank issues it.
Your payments are the proof
A credit bureau can only see what you’ve borrowed. A full Save2Buy passport shows a bank something better: months of paying on time, by choice, with no one chasing you.
The plain answers.
The whole promise rests on paying on time. Here is exactly what that means, and what happens if life gets in the way.
What if I know a payment is going to be a problem?
Tell us before the date. A payment that is rescheduled with us in advance, and then made, does not count against your reward. A debit order that simply bounces does. Talking to us early is the single best thing you can do.
What if I miss a payment?
Before delivery, a missed payment just moves your delivery date, with no penalty or interest. You keep your plan and your goods. It does mean this plan won’t qualify for the card, but your next completed plan starts with a clean passport.
I’ve been declined or blacklisted before. Can I still get the card?
Save2Buy never checks your credit, so you can always start a plan. The card is issued by the bank, which makes its own decision under the National Credit Act, but it makes that decision with your full Save2Buy payment record in front of it. That record is the point.
How is the card limit worked out?
It’s 25% of the total price of the plan you completed. Buy for R60 000 and your limit is R15 000; buy for R100 000 and it’s R25 000. Use the calculator above for your own number.
Do I have to take the card?
No. The card is a reward, not a condition. Your Save2Buy plan stays interest-free and fee-free whether you take it up or not, and you can decline it at any point.
What does the card cost?
The card carries the bank’s own credit terms, interest rate and fees, which the bank will give you in writing before you accept it. Save2Buy does not charge anything for the reward.
Does Save2Buy report my payments to the credit bureaus?
Not at the moment. Your Save2Buy record is shared with our partner bank, with your consent, for the purpose of the card. We’ll update this page if that changes.
Save2Buy Rewards is offered in partnership with a major South African bank. The reward is a bank-issued credit card with a credit limit equal to 25% of the total purchase price of a Save2Buy plan completed with every instalment paid on time. Card issue, limit and terms are determined by the bank in accordance with the National Credit Act and its own lending criteria; Save2Buy does not itself provide credit. Full programme terms are provided with your contract.
Ready to write your story?
Pay half. Get it. Pay the rest. Then graduate.