54 Credit is an innovative financial service by 54 Healthcare, designed to make healthcare more accessible and affordable for everyone. Through our Health Now, Pay Later solution, members can get the care and coverage they need today — and pay conveniently over time.
Loan Range
R500 - R50k
per person annually
Members are pre-approved for loans based on their insurance credit score — a unique system that rewards consistency in policy payments and responsible financial behavior.
Starter Access
Average Approval
Maximum Credit
Get the healthcare and insurance coverage you need today and spread your payments over time
Access between R500 and R50,000 annually, depending on your insurance credit score
Designed to support health, life, funeral, and travel insurance payments
Digital application, instant pre-approval, and quick access through 54 Healthcare platform
Complete a simple online application through the 54 Healthcare platform
Get instantly pre-approved based on your insurance credit score
Get coverage immediately and pay conveniently over time
No Coverage Gaps
Never lose protection due to short-term financial pressure
Flexible Repayment
Pay over time with terms that work for your budget
Builds Credit
Improve your insurance credit score with consistent payments
Comprehensive Use
For all 54 Healthcare insurance products
Maximum Annual Credit
R50k
Per Member
54 Credit ensures that no member loses coverage due to short-term financial pressure.