How It Works
1. Choose Your Savings Goal
At the start of your savings journey, Ascend deposits your chosen savings amount, into an account that cannot be accessed for 12 months.
You select from the following savings target, which we fund upfront.
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R6,000 (R500 per month)
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R12,000 (R1,000 per month)
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R24,000 (R2,000 per month)
2. Make Monthly Deposits
Each month, you pay back a fixed amount toward your savings goal. These payments are reported to credit bureaus, helping strengthen your credit profile.
3. Strengthen Your Credit Score
By consistently making your deposits on time, you demonstrate responsible financial behavior, which can help improve your credit score.
4. Unlock Your Savings & Credit Growth
At the end of 12 months, you get back every cent you’ve saved—no fees, no deductions—while benefiting from a stronger credit profile.
Say goodb
e
to low credit scores
“I never thought building my credit would be this easy! I got the new phone I wanted, set up manageable payments, and my credit score has been steadiy improving ever since. Highly recommended!”
Tshiamo M.
“As someone who’s been been working to rebuild my credit, this platform has been invaluable. I saved R24k I needed for a deposit for my car, and with every deposit, I’m also repairing my credit.”
David S.
“I love how simple and transparent this service is. I was able to get the essentials I needed without jumping through the hoops, and seeing my credit score rise with each payment has been incredibly motivating. This isn’t just a shopping service; its a tool for financial empowerment.”
Lerato K.
Savings Plans
Pick a savings plan and build your credit with every deposit
