CrediWise

4.0 (140 reviews)

CrediWise is a South African online lender registered with the NCR as NCRCP22496. Read its history, regulatory status and how to verify the licence on Creditdeals.io.

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CrediWise — Who Operates the Lender and Is It Licensed

CrediWise (crediwise.co.za) is a South African online short-term and small-instalment lender. It is registered with the National Credit Regulator (NCR) under registration number NCRCP22496, and operates under the National Credit Act 34 of 2005. All credit products are governed by the NCA's affordability assessment, fee-cap and disclosure rules.

Why Choose CrediWise?

Broader product window than typical SA payday lenders

Broader product window than typical SA payday lenders — both short-term and instalment options.

Published interest-rate range (5%

Published interest-rate range (5%–60%) — better transparency than many local peers.

DebiCheck mandates for safer collection (you authenticate the mandate once).

NCR-registered and explicit about it on the marketing page.

Key Features CrediWise

Parameter	Value
Loan amount	R500 – R8 000
Term	14 – 180 days
Interest rate range	5% – 60% (depends on affordability, profile and term)
Decision time	≈ 15 minutes
NCR registration	NCRCP22496
Collection rail	DebiCheck secure debit order

Apply for a loan — Quick Start

Ready to receive funds in your account today? The process is simple:

1️⃣

Open https://crediwise.co.za/

and use the calculator slider to choose your amount and term.

2️⃣

Click *Apply* / *Register

* — you land on /user/registration/reg1.

3️⃣

Fill in personal details:

full name, SA ID, mobile, email, employment status, employer, net monthly income, banking details.

4️⃣

Provide bank statements

for the last 3 months — usually via instant bank-feed (TruID-style) or manual upload.

Salaried South Africans who need amounts between R500 and R8 000 and prefer the choice between a 14-day cash advance and a 6-month instalment plan, with one application interface.

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