ProductsCredit Score Checks
Free credit score checks on WhatsApp
Employees check their credit score through Jem. No queues, no fees, no forms and no missed days. Just their consent, and the score arrives on their phone.
Employees check their credit score through Jem. No queues, no fees, no forms and no missed days. Just their consent, and the score arrives on their phone.
Trusted by 200+ employers and 250,000+ deskless workers across Africa
Most frontline workers have never seen their credit score. Checking it normally means queuing and paying up, so your people learn their status when it's too late. A declined loan or a refused phone contract, for example.
Having anytime access to their score is so significant. Employees can see where they stand and what to work on before any major financial decisions. Credit stops being something that happens, and becomes something they can manage.
No score is checked without an employee request. The result goes to the employee alone, in a POPIA-compliant, password-protected PDF.
The employee picks Credit Score from their Jem benefits menu on WhatsApp.
They give explicit consent for Jem to request their score. We already hold the name and ID number needed; nothing else is required.
When the score is ready, the employee is notified and receives it as a password-protected PDF, straight to them and nobody else.
An employee who checks their score before taking on debt is less likely to end up in a spiral that follows them onto shift as stress, absence and garnishee orders.
Credit scores are one piece. Financial education builds knowledge, savings build stability and Earned Wage Access keeps employees away from loan sharks.
Free for employees, free for you, and nothing for HR or payroll to run.
Nothing, for you or your employees. Credit score checks are part of the Comprehensive Plan.
No. Scores go to the employee in a password-protected PDF. You never see an individual's number.
Just consent. Jem already holds the name and ID number the check requires.
A registered South African credit bureau.
Book a demo and we'll show you how it works, end to end.
