CreditZA

You can borrow between R500 and R8,000. The amount actually approved depends on your credit profile, income level, and the affordability assessment conducted in accordance with NCA requirements. First-time borrowers may receive a lower initial limit.

Creditza offers two product types: - Short-term (payday) loans: 5 to 37 days. - Instalment loans: 1 to 6 months (up to 180 days). Choose the term that aligns with your income cycle and repayment capacity.

Creditza performs a credit and affordability assessment on every application. Applicants with imperfect credit histories may still be considered, but approval is not guaranteed. Severe negative listings (judgements, administration orders, active defaults) or current over-indebtedness are likely to result in decline. If you are under formal debt review (NCA Section 86), you are not eligible for any new credit until the debt review is completed.

If the DebiCheck collection is returned due to insufficient funds: - Your bank will charge a returned-debit fee (typically R100–R170). - Creditza may apply a default administration fee under the NCA. - Interest continues to accrue on the outstanding balance. - Persistent arrears may result in a negative credit bureau listing and referral to a debt collector. Contact Creditza immediately at 021 054 1057 if you anticipate a payment difficulty.

Yes. Under NCA Section 125 you may settle the outstanding balance at any time without penalty. Interest is charged only for the days the balance is outstanding, so early settlement reduces your total cost of credit. Contact Creditza to request a settlement figure before making payment.

- Valid South African ID (smart ID card or green barcoded ID book). - Three months' bank statements. - Latest payslip or other proof of income. - Proof of residence (utility bill or bank statement not older than 3 months).

After signing the credit agreement and authenticating the DebiCheck mandate, Creditza targets same-business-day disbursement. Most major South African banks credit the funds on the same day via Real Time Clearing (RTC). Applications completed late in the banking day or on weekends may be processed on the next business day.

[DATA NOT AVAILABLE — verify on official website at creditza.co.za or contact support at 021 054 1057.] The creditza.co.za website is mobile-optimised and fully functional in a smartphone browser. Whether a dedicated iOS or Android app is available should be confirmed directly with Creditza.

- Phone: 021 054 1057 (business hours, Mon–Fri) - Email: info@centuryfinancialservices.net - Physical address: Unit 9, Monaco Square, 14 Church Street, Durbanville, 7550 - Client portal: https://creditza.co.za/login