Can I get pre-approved without a credit check?

The National Credit Act prohibits lenders from advancing loans to consumers who are over-committed in terms of contractual debt and or have not managed the repayment of their debt obligations responsibly.

Conducting a credit check is therefore an integral component of the pre-approval process. As ooba conducts a credit check on behalf of the consumer, these enquiries do not leave a “foot-print” on the consumer’s credit bureau record and therefore will not affect the consumer’s credit score.