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How to apply for credit

At Best Home and Electric, we offer you two easy ways to apply for credit, so you can start shopping today.

1. You can apply at a store
  • Come into any of our stores.
  • Bring your ID book.
  • Bring your three most recent salary slips OR three months' bank statements.
  • There are no application forms for you to fill in, we will fill it in for you.
2. You can apply right now, online

Just fill in the form below and press submit. It will just take a few minutes to complete and we'll get back to you.

Please use one of the following options so that we can determine your closest branch:
Use my current location

By ticking the tickbox, I expressly consent to Lewis Stores (Pty) Ltd recording the information I have provided and to receiving direct electronic marketing messages about its new products, special offers and competitions.
By completing the above fill-in fields and clicking Submit, you expressly consent to Lewis Stores (Pty) Ltd t/a Best Home and Electric storing and using your information for purposes of attending to your query. Further information in relation to how Lewis Stores (Pty) Ltd uses and protects your information, and how you can update and/or have your information removed, can be viewed on our Privacy Statement.
3. You can apply by SMS

SMS 43946 with your:

  • SA ID Number
  • First Name
  • Surname
  • Net Income

Example: 6507986543211/Mpha/Makoena/7500

Standard SMS rates apply. Subject to in-store verification. For enquries, call 0800 228 444 toll free.

Please read before submitting your application: The National Credit Act requires that we get your permission to obtain your credit records and to check your financial and credit history through The Credit Bureaux . Please note that the application form below includes permission for Best Home and Electric to perform a credit check and obtain your financial and credit history.

The national credit act

The National Credit Act was put in place to protect you when you purchase something on credit and to help ensure that your rights are protected. Best Home and Electric respects your rights and is registered as a credit provider with the National Credit Regulator.

In terms of the Act you can expect the following from Best Home and Electric:

  • When making a purchase, Best Home and Electric will explain the terms and details of your credit agreement to you.
  • Best Home and Electric will not grant you credit if you cannot afford to repay the loan.
  • All credit agreements between you and Best Home and Electric will be written in plain language.
  • Best Home and Electric will ensure that all credit information is given to you in any one of five languages of your choice.
  • Best Home and Electric will be transparent about costs, fees, interest rates, total instalments and various other details.

The Act gives you, the consumer, the following rights:

  • To receive full information about your credit agreement.
  • Not to be discriminated against in the credit assessment process.
  • To have clear and understandable language in the credit agreement.
  • To receive information about yourself from the credit bureaux and challenge the information.
  • To get help from a debt counsellor if you are in debt.

Contact the National Credit Regulator for more information on their call centre number: 0860 NCR NCR (0860 627 627)

Website: www.ncr.org.za