Build it’s website does not describe a card of its own. It says credit facilities are available to Build it customers from Evolution Finance, Kanga Finance, FIN, RCS and Capitec, and tells you to apply at your local Build it store. So the requirements depend on which provider you apply through.
Requirements for two of the five providers, RCS and Kanga Finance, are set out below. For Capitec, Evolution Finance and FIN, ask the store or the provider. Source: the Build it website, read 10 October 2026.
Eligibility Requirements at a Glance
- RCS Builders Store Credit: you must be 18 or older, have a South African ID or driver’s licence, be employed and earn R2,000 or more a month.
- Kanga Finance: the application form asks for a copy of your ID, your net income and three months of bank statements. Ask Kanga Finance for any further eligibility criteria.
- Capitec, Evolution Finance, FIN: not listed here. Confirm with the provider.
The RCS figures differ between its pages. The RCS Builders Store Credit page gives R2,000 a month, while the RCS Store Card page lists employed and earning R1,000 or more a month. Confirm the minimum that applies to you with RCS when you apply.
Is there a Build it credit card?
Not on Build it’s own site, which describes partner credit facilities rather than a Build it-branded card. Ask the provider whether the facility you receive is a physical card or an account, and what its limit and interest rate are, before you sign.
Income and Affordability Requirements
Whichever provider you use, it must carry out an affordability assessment before granting credit or raising a limit, and reckless lending is prohibited. According to the National Credit Regulator brochure, the assessment considers your gross income, statutory deductions, minimum living expenses and other debt obligations. The provider must request three months of bank statements or payslips and take your repayment history into account.
Providers set their own minimum income, so use the figures above as a guide, not a guarantee of approval.
Credit and Financial Requirements
None of the provider pages cited here state a minimum credit score. Each provider will run its own checks. You have the right to a free credit bureau record once a year, so get yours before you apply and correct any errors.
On repayment, RCS Builders Store Credit offers revolving credit and 24 or 36-month budget repayment plans, subject to terms. This page does not state interest rates or limits for any provider; check them in the credit agreement before you sign.
Documents and Verification Required
- RCS: a South African ID or driver’s licence, and proof of income documentation, which you upload online with the full application. The RCS Store Card page names your latest payslips or bank statements as proof of income.
- Kanga Finance: a copy of your ID, three months of bank statements and your net income.
- Capitec, Evolution Finance, FIN: not listed here. Ask the provider what it needs.
How to Apply and Improve Approval Readiness
How do I apply for Build it credit online?
Build it directs customers to apply for credit at their local store. Some providers have their own online forms: RCS accepts a full online application with uploaded proof of income, and Kanga Finance has a Build it application form, available on its website. Check which provider your local store works with first.
- Decide which provider to use, and confirm which of the five your local Build it store accepts.
- Get your free credit record and check it for errors.
- Gather your ID and recent payslips or three months of bank statements.
- Compare the repayment options and terms before you accept.
- Do not pay any upfront fee to secure credit.
Frequently Asked Questions
What are the Build it card requirements?
They depend on the provider. For RCS Builders Store Credit you must be 18 or older, employed, earn R2,000 or more a month and have a South African ID or driver’s licence. Kanga Finance asks for your ID, net income and three months of bank statements.
Is a Build it credit card the same as a store card from RCS?
Build it lists RCS as one of five credit partners. This page does not compare the providers’ products, so ask your local store which facility is offered.
Who provides credit at Build it?
Evolution Finance, Kanga Finance, FIN, RCS and Capitec, according to Build it’s website.
Confirm current requirements with your local Build it store and the credit provider. See finance and funding requirements and browse all loan requirements.