---
title: Personal credit
description: Personal credit refers to credit (money, goods or services that you have not yet paid for) that has been given to you in your personal capacity. The amount of credit granted is based on the value of t
---

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2. [Dictionary](https://knowledge.finfind.co.za/dictionary?hsLang=en)

# Personal credit

Personal credit refers to credit (money, goods or services that you have not yet paid for) that has been given to you in your personal capacity. The amount of credit granted is based on the value of the assets you own, your personal ability to repay the debt and your personal credit rating (determined by Experian).

- [Understanding funding](https://knowledge.finfind.co.za/understanding-funding?hsLang=en#main-content)

    - [Challenges to accessing finance](https://knowledge.finfind.co.za/understanding-funding?hsLang=en#challenges-to-accessing-finance)
    - [Different funding needs](https://knowledge.finfind.co.za/understanding-funding?hsLang=en#different-funding-needs)
    - [Different types of funders](https://knowledge.finfind.co.za/understanding-funding?hsLang=en#different-types-of-funders)
    - [Different types of funding products](https://knowledge.finfind.co.za/understanding-funding?hsLang=en#different-types-of-funding-products)
    - [Credit scores and reports](https://knowledge.finfind.co.za/understanding-funding?hsLang=en#credit-scores-and-reports)
    - [Learn more](https://knowledge.finfind.co.za/understanding-funding?hsLang=en#learn-more)
- [Funding for startups](https://knowledge.finfind.co.za/funding-for-startups?hsLang=en#main-content)

    - [Angel investors](https://knowledge.finfind.co.za/funding-for-startups?hsLang=en#angel-investors)
    - [Crowdfunding](https://knowledge.finfind.co.za/funding-for-startups?hsLang=en#crowdfunding)
    - [Family and friends](https://knowledge.finfind.co.za/funding-for-startups?hsLang=en#family-and-friends)
    - [Government funding](https://knowledge.finfind.co.za/funding-for-startups?hsLang=en#government-funding)
    - [Incubators and enterprise development programmes](https://knowledge.finfind.co.za/funding-for-startups?hsLang=en#incubators-and-enterprise-development-programmes)
    - [Overdrafts](https://knowledge.finfind.co.za/funding-for-startups?hsLang=en#overdrafts)
    - [Social enterprise funding/impact investing](https://knowledge.finfind.co.za/funding-for-startups?hsLang=en#social-enterprise-funding-impact-investing)
    - [Venture capitalists](https://knowledge.finfind.co.za/funding-for-startups?hsLang=en#venture-capitalists)
- [Dictionary](https://knowledge.finfind.co.za/dictionary?hsLang=en)