South Africa

Sawubona.

Welcome.

We help young South Africans access education and skilling — and you only pay once you 're earning.

Chancen South African graduates celebrating the successful completion of their education programme

who we are

Chancen

South Africa

Established in 2021, Chancen South Africa partners with SETA-accredited training providers and institutions to finance skilling for young people who would otherwise be left behind — with a strong focus on women in technical trades. We have supported over 1,400 South African learners across technical trades, engineering and business — most of them women, and many entering male-dominated technical fields.

Educated youth

Partner institutions

2021

Establishment year

our partner institutions in

South Africa

member stories

Real

South African

members.

Real outcomes.

All Member Stories

South Africa

"Chancen believed in me when I couldn't afford to believe in myself."

Sisipho Dumaphi

Child Development Student

South Africa

"Now my potential is being seen and recognised, and that gives me confidence."

Lesedi Zondo

Mechanical Fitter

study now, pay later

Do you want to study but struggle to find financing?

Chancen might be for you. We cover your tuition upfront — you repay only when you finish your studies.

No upfront tuition

Study with zero tuition fees or collateral required

Pay only when earning

Repayments begin only once you have a job above a set income threshold

Income-linked & capped

Earn less, pay less. Earn nothing, pay nothing. High earners are capped

A clear end point

After a set period, repayment stops — preventing over-indebtedness

Learn about our model

our products

Financing built around your path

We offer a range of products so we can flex to your circumstances

FLAGSHIP ISA

Chancen Launch

Start your studies without paying all tuition upfront. Chancen helps fund your education, and your repayment is explained clearly before you sign.

repayment

Income-based + fixed repayment options

best for

Students starting through Chancen partner pathways

term

FLAGSHIP ISA

Chancen Launch

Start your studies without paying all tuition upfront. Chancen helps fund your education, and your repayment is explained clearly before you sign.

repayment

Income-based + fixed repayment options

best for

Students starting through Chancen partner pathways

term

FLEXIBLE PLAN

Chancen Rise

Access higher funding with support from a trusted person in your corner. Your repayment options and surety responsibilities are explained before you commit.

repayment

Income-based + fixed repayment options

best for

Students who need higher funding with surety support

term

FLEXIBLE PLAN

Chancen Rise

Access higher funding with support from a trusted person in your corner. Your repayment options and surety responsibilities are explained before you commit.

repayment

Income-based + fixed repayment options

best for

Students who need higher funding with surety support

term

FLEXIBLE PLAN

Chancen Rise

Access higher funding with support from a trusted person in your corner. Your repayment options and surety responsibilities are explained before you commit.

repayment

Income-based + fixed repayment options

best for

Students who need higher funding with surety support

term

PROFESSIONAL COURSE

Chancen Bridge

Get funding for career-focused learning. Chancen supports courses designed to help you move towards better work and earning potential.

repayment

Income-based + fixed repayment options

best for

Skilling, TVET and career-focused short/professional courses

term

PROFESSIONAL COURSE

Chancen Bridge

Get funding for career-focused learning. Chancen supports courses designed to help you move towards better work and earning potential.

repayment

Income-based + fixed repayment options

best for

Skilling, TVET and career-focused short/professional courses

term

PROFESSIONAL COURSE

Chancen Bridge

Get funding for career-focused learning. Chancen supports courses designed to help you move towards better work and earning potential.

repayment

Income-based + fixed repayment options

best for

Skilling, TVET and career-focused short/professional courses

term

BLENDED FUNDING

Chancen Top-Up

Already have some funding, but not enough? Top-Up helps cover the shortfall so you can complete your funding plan with clear repayment terms before you sign.

repayment

Income-based + fixed repayment options

best for

Students with a bursary, scholarship, family contribution or self-funding who still need more

term

Ready for the next step?

Want to study

with Chancen in

South Africa

?

Tell us what you 'd like to study and we'll send you information on upcoming courses we finance in South Africa. It takes just a few minutes and commits you to nothing.

chancen companion app

Already a member?

Download the Chancen Companion App

Get instant, personalised answers on your financing

Manage your Chancen account (coming soon)

See how much Chancen has paid for your tuition, and your upcoming repayments (coming soon)

Take control of your finances with our Savings Coach (coming soon)

Access job boards, career advice and more (coming soon)

Coming soon

Frequently asked

Questions you may have

Who qualifies for an ISA?

You may qualify for an ISA if you are 18 years or older, legally able to study in South Africa, and studying or planning to study an approved course.

Who qualifies for an ISA?

You may qualify for an ISA if you are 18 years or older, legally able to study in South Africa, and studying or planning to study an approved course.

How do I apply?

You can register your interest directly with Chancen SA or apply through one of our partner institutions. If there is a funding option that fits your study plans, we will guide you through the next steps.

How do I apply?

Does registering interest mean I am approved for funding?

No. Registering interest is the first step. We will review your information and let you know whether there is a funding option that may be suitable for you.

Does registering interest mean I am approved for funding?

No. Registering interest is the first step. We will review your information and let you know whether there is a funding option that may be suitable for you.

What documents will I need to apply?

The documents needed depend on the funding option. You may be asked for proof of identity, proof of admission or registration, academic records, income information, and other supporting documents. We will guide you through what is needed.

What documents will I need to apply?

Do I need to have a job before applying?

Not always. Some funding options are for students who are still studying, while others may be linked to employment or employer-supported programmes. Register your interest and we will help you understand what you may qualify for.

Do I need to have a job before applying?

What levels of education does Chancen support?

We consider funding for a range of accredited education and training options, including degrees, diplomas, certificates, and skills programmes. Register your interest and we will let you know what funding options may be available.

What levels of education does Chancen support?

Can I apply if I already have partial funding?

Yes, you may still register your interest. Some Chancen SA funding options may help students who have partial funding but still need additional support to cover their study costs.

Can I apply if I already have partial funding?

Yes, you may still register your interest. Some Chancen SA funding options may help students who have partial funding but still need additional support to cover their study costs.

What is an Income Share Agreement?

An Income Share Agreement, or ISA, is a funding agreement that helps you pay for your studies now and repay later according to the terms of your agreement. Depending on your funding option, your repayments may be linked to your income or set as a fixed monthly amount. Before you sign, we will explain how your repayment works, when it starts, and the maximum amount you may need to repay.

What is an Income Share Agreement?

How much will I repay?

Your repayment depends on the funding option you qualify for. Some options are linked to your income, while others have a fixed monthly repayment. Before you sign, we will show you exactly how your repayment works and the maximum amount you may need to repay.

How much will I repay?

When do repayments start?

This depends on your funding option. For income-linked funding, your main repayments usually start once you are earning above the minimum income threshold. For fixed-repayment options, we will explain the repayment start date before you sign.

When do repayments start?