Luupa® Index

What's your Luupa Index?

A free 0–1,000 reliability score, built entirely from the rent you're already paying.

The higher your score, the stronger your access to financial products, rewards, and partner offers on Luupa.

Get the app →See sample Index
Sample Luupa Index
742
out of 1,000
96%
On-time
8 mo
Streak
Strong
Band

Rent you've already paid, turned into proof.

The Luupa Index is an internal rental reliability score, from 0 to 1,000, built entirely from your verified rent payment behaviour — on time, in full, with verifiable evidence.

It is not a credit bureau score. It's Luupa's own measure of how reliably you pay rent.

Millions of South Africans are credit-invisible — they pay rent every month but have no formal credit history. The Luupa Index turns that monthly behaviour into a verifiable, portable signal of financial reliability that unlocks doors bureau-only scoring keeps closed.

The 5 bands

Five bands, from Limited to Excellent.

Limited
0–399
Not enough verified behaviour yet, or significant gaps in payment history.
Needs Attention
400–549
Inconsistent payments or weak verification. Room to improve.
Building
550–699
Reliable foundation. Most tenants land here while their history grows.
Strong
700–849
Consistent on-time, full, verified payments. Unlocks most products.
Excellent
850–1,000
Top-tier reliability. Maximum access and best terms.
How it's calculated

Seven weighted pillars.
1,000 points.

Every score is explainable line-by-line. Here's how the points break down.

Payment timing
300 pts
How early, on time, or late each payment lands relative to the due date.
Verification strength
200 pts
How reliable the evidence is — on-platform payment, POP, landlord confirm, or unconfirmed.
Payment completeness
150 pts
Whether the full rent amount was paid each month.
Consistency / streaks
150 pts
On-time and full payments repeated month after month.
Improvement trend
100 pts
Whether the tenant is getting better month-over-month.
Engagement
50 pts
Responding to reminders, submitting POPs promptly, replying to landlord queries.
Dispute handling
50 pts
A clean record — no duplicate or disputed submissions.
Why it matters

A score that opens doors.

🏗️
Build a record from rent you already pay
Turn every monthly payment into a verifiable financial signal.
🔓
Access products you'd otherwise miss
Insurance, short-term finance, savings and banking partners on the Luupa platform.
🎁
Unlock rewards as your score climbs
Grocery vouchers, airtime & data, fuel and lifestyle offers from partners.
🤝
A stronger negotiating position
A high Luupa Index is portable proof of reliability for future landlords.
🔍
Transparent and explainable
See exactly which pillars drive your score, and what to do to improve it.
💸
Completely free
Forever free. It costs nothing to build or check your Luupa Index.
How it works

From rent payment to open doors.

01
Pay your rent
Through Luupa for instant verification, or upload your proof of payment if you pay outside.
02
We verify it
Via the on-platform payment rail, OCR + landlord confirmation, or a partner property manager's ledger.
03
Your score updates
The 7-pillar engine runs after each verified payment. Every result is an immutable audit trail.
04
Doors open
Higher scores unlock better rewards, products, and rates from partner providers.
Take control

Seven ways to grow your Index.

1
Pay rent through Luupa
Payments made on the platform are confirmed instantly and verified at the highest strength.
2
Pay 3 or more days before the due date
Early payment earns the maximum timing points.
3
Pay the full rent amount every month
Partial payments cap your completeness score.
4
Submit your proof of payment if you pay outside Luupa
Your landlord can confirm it — no confirmation, no points.
5
Build a streak
Six or more consecutive on-time and full payments unlocks maximum consistency points.
6
Show improvement
Reducing days late versus the previous month is rewarded.
7
Engage promptly
Submit POPs before reminders go out, and respond to landlord queries quickly.
Trust & transparency

Built to be trusted, not just believed.

Append-only, immutable history
Every score computation is a permanent, auditable row. Scores are never edited or deleted.
Explainable, never a black box
See which pillars contributed which points. See where improvements can be made.
POPIA-compliant
Your data is yours. Request your full Luupa Index history and corrections through Luupa Support.
Not a credit bureau score
We report the Luupa Index alongside — not in place of — bureau scores. Bureau reporting is a separate, opt-in process.
FAQs

Questions, answered.

No. It's Luupa's own internal score (0–1,000) based on verified rental behaviour. It is not a TransUnion, Experian or XDS bureau score.

Your Luupa Index is calculated automatically after 3 months of rental history on the platform.

Your Initial Index is calculated automatically once you have 3 months of rental history. Your Live Index builds on that foundation, incorporating your ongoing on-platform behaviour as it accumulates.

Yes — it's the fastest, highest-strength verification possible. It's instant, with no upload and no waiting.

Your timing, completeness, streak and trend pillars all take a hit. The fastest recovery is one clean, early, full payment.

After each newly verified payment, and on the monthly scoring run.

Yes — through Luupa Support. Each dispute is investigated and resolved according to our SLA.

Yes. There's no cost to build it or to check it.

Start building your Luupa Index today.

It's free, it's explainable, and it's built from rent you're already paying. Get the app and watch your score grow.

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