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Vault22 Debt Score
This is a starting point for understanding your debt position, rather than an unexplained judgement.
Debt management
See what you owe.
Know what comes next.
Bring your balances, repayments, costs and score factors into one clearer view, then explore a realistic next step at a pace that works.
A clearer place to begin
What becomes visible can become manageable.
Debt is a financial reality, and it does not define you.
Vault22 brings your balances, costs and repayments into one clear view, giving you the complete picture you need to make better-informed decisions.
From position to practical action
Move forward from where you are.
01
See
Bring existing debts, balances
and monthly repayments into
one connected view.
02
Understand
Explore the interest,
repayment pressure and
factors shaping your scores.
03
Plan
Model repayment scenarios
and see how a change could
affect cost or time.
04
Act
Make a payment, correct
information, follow a plan or
find professional support.
05
Borrow
Assess affordability before
considering any new credit
option.
Bring the position into viewAdd my debts
See what you owe and what it costs each month.
Add, upload or connect a loan, credit card or finance agreement. Review each account on its own, or understand the total effect across your month.
One connected overview
Balances, monthly repayments, interest costs and the share of income used for debt.
Account-level detail
Understand which loans, cards and agreements make up the total.
A more complete picture
Add anything that may not yet be visible through a connected provider.
Total owed
R412 800
Monthly repayments
R9 640
Interest this year
R38 200
Share of income
31%
Vehicle financeR248 000 · 11.5%
Credit cardR42 300 · 20.5%
Personal loanR86 500 · 17.0%
Store accountR36 000 · 22.0%
Illustrative view. Your own accounts, rates and balances appear once added or connected.
What becomes
visible can
always become
manageable.
Debt can feel heavier when
balances, repayments and
costs sit in different places.
Bring what you owe into one clear view.
Understand what it costs, what may be
shaping your position and which practical
steps are available.You do not need to solve everything at
once.
Know what is shaping it
Understand your scores and the factors behind them.
Plain-language context on what each score reflects, why it may be changing and which factors may deserve your attention.
712
Experian range 0–999
Experian credit score
The external credit profile lenders may consider is shown with your consent, where available.
Score factors
Payment historyStrong
Credit utilisationWorth attention
Account ageSteady
Recent applicationsLow
Scores shown are illustrative. Credit score requires your consent
Explore a practical next step
See what a change could mean before you make it.
Move the amount to understand how an additional payment may affect interest, affordability and time to repay. Turn an intention into a trackable direction.
Build my paydown planR500
Time to repay
29 months
Interest paid
R11 379
Interest saved
R6 324
Based on a R42 300 balance at 20.5% with a R1 400 minimum repayment. Illustrative only; your own figures apply once your accounts are added.
Guidance without judgement
Understand the next question worth asking.
Tara can explain a score factor, clarify a change and surface a possible action to consider.
Find an appropriate route to professional support.
If repayments are becoming difficult, it helps to act early. Vault22 makes relevant support routes easier to find, subject to local availability.
Debt questions, answered.
What you can add, how the scores differ and what happens if repayments become difficult.
Loans, credit cards and finance agreements, all through supported account connections, uploaded statements or information you add yourself.
No. The Vault22 Debt Score summarises your debt position within Vault22 and makes its contributing factors easier to understand. An Experian credit score reflects an external credit profile that lenders may consider, subject to consent and confirmed integration.
Vault22 helps you compare information and model possible repayment scenarios. The right approach depends on your costs, priorities and circumstances, and the decision remains yours.
No particular score change can be guaranteed. Vault22 helps you understand the factors that may affect your profile and the actions you may wish to consider; improvements usually depend on consistent behaviour over time.
It helps to contact your lender or an appropriate professional support provider as early as possible. Vault22 is intended to make relevant support routes easier to find, subject to local availability.
Vault22 may help you assess affordability and compare relevant options through approved partners. Availability, eligibility and final lending decisions remain subject to confirmed partner and lender criteria.
Begin with the information
A clearer view is a practical place to begin.
Bring what you owe into view, understand what is shaping your position and move forward at a pace that works for you.
Free to start. No card required.