| Document | Accepted Format |
|---|---|
| South African ID | Smart ID card or green barcoded book |
| Bank statements | 3 months, PDF or stamped original |
| Proof of income | Latest payslip, employer letter, or bank credits |
| Proof of residence | Utility bill, bank statement < 3 months old |
Borrower Requirements Recap
- South African citizen or permanent resident, aged 18+.
- Regular verifiable income (minimum approximately R1,500/month net).
- Active South African bank account.
- Not currently under debt review.
Common Reasons for Decline
- Insufficient net disposable income after existing obligations.
- Negative credit bureau listings (e.g. judgements, administration orders, active write-offs).
- Currently under debt review.
- Unverifiable income or inconsistent bank-statement data.
- ID number mismatch with banking records.
- Fraudulent or altered documents.
Tips to Improve Your Approval Chances
- Apply for an amount you can genuinely afford — the affordability assessment looks at your full debt picture.
- Upload clear, complete bank statements — three full months, showing your regular salary credits.
- Use the bank account where your salary lands — this helps Creditza verify income quickly.
- Ensure your ID details match your banking profile — mismatches cause delays.
- Settle any outstanding Creditza balances first — you cannot hold two concurrent loans simultaneously.
- Avoid applying immediately after a salary advance — your bank statement should reflect a normal income pattern.
FAQ — How to Apply
Do I need to go to a branch to apply? No. The entire Creditza application is online at creditza.co.za. No branch visits are required.
How long does the Creditza application take? Most applications take 5–10 minutes to complete. A decision is typically returned within minutes.
Can I apply from my mobile phone? Yes. The creditza.co.za website is mobile-optimised and can be accessed via any modern smartphone browser.
Can existing customers reapply? Yes. Existing clients can log in at https://creditza.co.za/login and apply for a new loan once their previous balance is settled.
Is the application free? Applying is free. No fees are charged until a loan is approved and disbursed.