How to apply for Build-It hardware credit account

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The Build It credit account offers financing specifically tailored for your building or home renovation projects. To qualify for this credit loan, applicants must meet the following criteria:

  • Employment Status: Applicants must be permanently employed, earning a net income of at least R3,500 per month, deposited electronically into their bank account.
  • South African Citizenship: Applicants must be South African citizens with a valid identity document or card.
  • Financial Documentation: Applicants must provide their latest three-month stamped bank statements reflecting their salary.

These requirements are crucial for pre-qualifying applicants for the Build It account. Once pre-qualification is successful, further checks are conducted to ensure applicants can repay the credit according to the agreed terms and conditions. It’s essential for applicants to understand their financial situation thoroughly before committing to the Build It credit account.

The Application Process

  1. Pre-Qualification: A dedicated sales consultant assesses the applicant’s financial situation and determines the pre-qualified credit amount.
  2. Application Submission: The applicant’s information is submitted to one of South Africa’s largest and most reputable lenders for further evaluation.
  3. Approval and Issuance: Upon approval, the applicant receives a Build It Hardware Account credit card, which can be used at preferred hardware suppliers.

Streamlined Financing Process

The Build It Hardware Account streamlines the home improvement financing process into clear steps:

  • Applying for Finance: Applicants can easily apply for home improvement finance through one of four reputable lenders.
  • Contract Signing: Upon qualification, applicants sign a contract with their chosen lender.
  • Funding and Account Setup: The approved credit is forwarded to the preferred hardware store, where the Build It Hardware Account is opened.
  • Credit Card Issuance: Applicants receive a credit card for in-store purchases, facilitating the acquisition of necessary building materials and tools.

Qualification Criteria

To qualify for a Build It Hardware Account, applicants must:

  • Be 18 years of age or older.
  • Have a steady source of income, either through employment or self-employment.
  • Earn a minimum monthly salary of at least R3,500, deposited electronically.

Required Documentation

Applicants need to provide the following documents to initiate the process:

  • Valid South African ID or driver’s license.
  • Three most recent payslips or bank statements reflecting the last three salary deposits.
  • Three months’ worth of bank statements.

In-Store Process

The in-store process is designed to simplify the realization of home improvement dreams:

  • Consultation: Applicants consult with a Credit Consultant for guidance.
  • Credit Assessment: The applicant’s qualifying amount is determined, tailored to their specific needs.
  • In-Store Shopping: Applicants select the required building materials and supplies directly from the store.
  • Loan Application: The loan application is completed in-store, ensuring a seamless process.
  • Quick Approval: In most cases, loan approval takes just two hours*, allowing applicants to proceed with their projects promptly.
  • Building Materials: With the approved credit, applicants can obtain the necessary building materials and commence their dream home project immediately.

The Build It Hardware Account offers more than just financing—it’s a pathway to realizing home improvement aspirations. With a user-friendly process, flexible repayment terms, and access to top-quality building materials, applicants can embark on their home improvement journey with confidence. Don’t let financial constraints hold you back—unlock your potential with the Build It Hardware Account and realize your dream home today.

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