The use of the Interactive Credit Solution’s membership benefits is subject to Terms and Conditions. These Terms and Conditions of the Business, whether signed or not by you, take effect when we provide services to you irrespective of whether or not there is a signed agreement in place with you.
Please take a moment to read this.

Interactive Credit Solutions is owned and managed by Ashika and Uveshan Moodley. The company offers a 4-in-1 membership plan. Our services consist of the following benefits:


  1. Credit report
  2. Holiday assist
  3. Student assist
  4. Free loan-finding service


Interactive Credit Solutions is an agent or a representative of service providers. Our 4-in-1 plan is attainable upon the mandatory benefits of the above plans.


A once-off joining fee of R299, thereafter just R99 a month includes our 6 plans and will be deducted from your account on or around your next salary date.
Members applying for personal loans via Interactive Credit Solutions must take note of the following:

  • Interactive Credit Solutions (Pty) Ltd will attempt to find the loan that best suits your needs by dealing with carefully selected South African lenders and/or loan brokers.
  • We make an effort to find you a lender/broker that is prepared to lend you the amount you require. If this is not possible, we will refer you to a lender/broker that most closely matches your specified requirements.
  • By allowing us to apply for a loan via our loan benefits options, you give us permission to pass your details onto these lenders/brokers should it be necessary to do so.


Please note that this fee will be charged regardless of the outcome of your loan application. We will deduct this fee directly from your bank account with the account details that you have provided, using the NAEDO direct debit system. If there are insufficient funds in your bank account on your debit order date, we will track your account for a period of seven days.


You hereby state that you understand these Terms and Conditions and give Interactive Credit Solutions permission to debit your account. Interactive Credit Solutions uses a third party collections agent, Sage Pay, therefore, their name, along with your unique Interactive credit solutions reference number, will be referenced on your bank statement. We will only deduct the funds from your account if your application for our services has been accepted and processed.


Personal information collection is for the purposes of processing data. Where we disclose your personal information to our agents or sub-contractors for these purposes, the agent or sub-contractor in question will be obligated to use that personal information in accordance with the terms of these Terms and Conditions of Business. We may disclose your personal information to the extent that it is required to do so by law, in connection with any legal proceedings or prospective legal proceedings, and in order to establish, exercise or defend our legal rights.


Cancellation Policy

If you would like to cancel this application for whatever reason, you will have a seven-day, cooling-off period in which to do so. If, however, you cancel outside this cooling-off period, you will be charged a reasonable cancellation fee of R79 (Seventy Nine Rand).

Complaints Process

As per the requirements of the Consumer Protection Act No. 68 of 2008, if you are dissatisfied with our service, you must lodge any complaint in writing to customercare@icscredit.co.za. We shall handle your complaint in a timely and fair manner and take steps to investigate and respond thereto promptly. We strive to resolve all complaints within 72 hours from date of receipt.

Customer satisfaction is vital to us and has been one of the aspects of our ongoing success.  Feedback on our service is always welcomed (both negative and positive) and we’d appreciate it if you would please refer initial problems (if any) to Ashika or Uveshan Moodley on the details below:

Ashika Moodley                                                    Uveshan Moodley

Tel: 087 021 0776                                                        Tel: 087 021 0776

Cell: 082 312 0605                                                      Cell: 082 312 0605

Email: ashika@icscredit.co.za                            Email:  uveshan@icscredit.co.za