SWU Housing Finance is a registered Credit Provider (NCRCP11770)
providing Home Improvement Loans to Employees of 
Selected Approved Employers.

me Improvement Loans

Do you earn R25 000 or less per month?

Want to build your Dream Home?


Build at your own pace using your own Housing Card



R7 000 up to R50 000


Terms & Conditions Apply

Language Policy as per the National Credit Act Chapter (4) Part A (63)






Once your Loan is Approved we will issue you with your own Housing Card to use at the Participating Building Material Suppliers.


You also have an option to allocate up to

to your Bank Account to assist in Labour Related Expenses.

* Terms & Conditions Apply


SMS “HOUSING” to 40734

or Call 0861 113 112

What do you need to apply?

ID Document / Valid driver's Licence Bank Card for activation of Debit Order 3 Month's Bank Statement with latest Pay Sheet

*Terms & Conditions & Affordability Criteria Apply 

Language Policy as per the National Credit Act Chapter (4) Part A (63)




SWU Housing Finance will NEVER request you to pay any upfront fee when you apply for a loan

If uncertain please contact us on: 0861113112 or email us @ complaints@swu.co.za


Download the YoManE App                                                                                     





You can use the YoManE App to view your Card Balance and Transaction History

Download the YoManE App from the Google Play Store or Scan the QR Code

Install the App

Login to the App using the email address and select a password and follow the prompts.


Lost or Stolen Cards

Stop your Card via the Call Centre 

    * DIAL 0861 113 112
    * SWU Housing Finance will advise you on
      how to get a replacement card
        Office Hours: 
        Monday - Friday (08:00 - 16:30)
Stop your Card via USSD

    * DIAL *134*146354#
    * Select Option 2 to stop the card
    * Enter your ID Number (Option 1) or 
      Card Number (Option 2)
    * Follow the prompts
Stop your Card via the App

    * Login to the YoManE App
    * Click on Cards
    * Select your Card & click Delete