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Take control of your financial future with smart lending and investment solutions
Service Rating
Secure Your Financial Future
Build a stronger credit profile in just 12 months.
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Backed byAllan Gray Investment Management
73%See improvement in just 6 months
100%Money-back guarantee
Why Choose BenX
Start From Zero
Even if you have no credit score at the moment, you can still apply.
Save While You Build
Every payment you make goes into your Allan Gray Savings account. After 12 months you earn it all back PLUS interest.
The Flexible Option
Life happens. Skip one payment without affecting your growing credit score.
Fast Results
73% of users see an improvement within 6 months!
Better Credit in 5 Easy Steps
Getting BenX Credit Builder is quick and hassle-free.
How It Works
Apply in Minutes
Quick, simple application. Get approved for a small, affordable 12-month loan tailored to your budget.
Make Your First Payment
Your first payment goes directly into a secure Allan Gray savings account opened in your name.
Pay Monthly & Build
Each monthly payment gets reported to all major credit bureaus, improving your score month by month.
Watch Your Score Rise
Track your progress as your credit score improves. Most users see results within 6 months.
Get Everything Back
After 12 months, receive all your payments back PLUS interest earned, with a dramatically improved credit score.
What You'll Need
Personal Information
- ID number
- Contact details
- Address
Banking Details
- Bank account for payments and receiving funds
Proof of Income
- Recent payslip or bank statements
Frequently Asked Questions
Find answers to common questions about the BenX Credit Builder program.
Each monthly payment you make is reported to the credit bureaus. Your repeated payments will show you are a reliable payer, which helps improve your credit score over time.
That's okay! BenX allows you to skip one payment during the 12 months without it affecting your credit score.
Most people see an improvement within 6 months, but for the best results you have to complete the 12-month programme.
No. The funds are locked for the 12-month period to help you stay consistent. You'll get everything back, plus interest, once the term is complete.
Yes, your money is completely safe. Your savings are held in an Allan Gray account in your name — one of South Africa's most trusted financial institutions.
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