"Gat credit" is a colloquial term used in South Africa to refer to obtaining credit or a loan, often from a loan shark. There are several synonym phrases to express this concept, each with varying levels of formality and connotations. Some more formal alternatives include "obtaining credit," "securing a loan," or "applying for financing." More colloquial options include "borrowing money," "getting a loan," or "taking out credit." Additionally, some may use euphemisms such as "financial assistance" or "financial support." However, it is important to note that the use of a loan shark or other predatory lender should always be avoided in favor of legitimate financial institutions.