Hero background

Your Credit Score

Your credit score gives you a clearer picture of your financial standing and is one of the factors that may affect your eligibility, financing amount, and terms. At Sakhi, we help you understand it better so you can make financial decisions with confidence

Signing
What is a Credit Score
Cards

Your Credit Score Matters

What Does Your Credit Score Mean?

Your credit score is calculated by SIMAH and reflects your history of managing financial obligations and repayments. It helps assess your financing eligibility and determine the offer available to you

How Does Your Credit Score Help Us Assess Your Eligibility?

With your permission, we check your SIMAH credit record to assess your eligibility and identify financing options that suit your financial situation.

Your score calculation

Payment history

Your history of paying installments and bills on time plays an important role in your credit score.

Credit utilization

This reflects how much of your available credit you’re currently using.

Number of active finances and cards

Having multiple active credit accounts can affect your score, especially if they are heavily used.

Length of credit history

A longer, well-managed credit history helps demonstrate financial stability.

New credit inquiries

Frequent applications for new credit in a short period may temporarily lower your score.

1/5

Improve your score

Pay Your Installments on Time

Paying on time reflects good financial habits and can help improve your credit score

Avoid Using Your Full Credit Limit

Using a large portion of your available credit may signal financial strain and lower your credit score

Avoid Multiple Financing Applications in a Short Period

Submitting multiple financing applications within a short period may affect your credit profile and credit score

Review Your Credit Report Regularly

Check your SIMAH report regularly to make sure your information is accurate and spot any errors that may affect your credit score

Take the first steps

Take Your First Step with Sakhi

Financing made closer, with a simple and secure digital experience

Have a Question About Sakhi?

Find answers to the most common questions about financing, eligibility, repayments, and using Sakhi app

Learn More
Learn More