Creditbar review
Creditbar is an NCR-registered lender (NCRCP23238) offering R500 – R5,000 over 7 – 61 days.
Apply at Creditbar
Creditbar
NCR-registered lender · NCRCP23238 · confirmed on the NCR register
- Loan amount
- R500 – R5,000
- Term
- 7 – 61 days
- Rate
- Not published
- Company
- CreditBar (Pty) Ltd
- Based in
- South Africa
- Checked
- October 2026
About Creditbar
Creditbar is run by CreditBar (Pty) Ltd (company number 2026/213837/07), Hyde Park House, 11 Century Way, Milnerton, Cape Town, Western Cape, 7441 (terms and conditions). The privacy policy gives Office 10, First Floor, The Estuaries, Building 12, Oxbow Crescent, Century City, Cape Town 7441.. It is registered with the National Credit Regulator as NCRCP23238, which we confirmed on the NCR register in October 2026.
Creditbar offers R500 – R5,000 over 7 – 61 days. It does not publish an interest rate on its website, so ask for a full quotation before you sign.
On speed, Creditbar says: Creditbar's FAQ says: "In most cases, funds are transferred to your bank account within 15 minutes." Its home page says: "During business hours, funds are transferred to your account within 1 hour after approval." We have not tested this ourselves.
What a R2,000 loan can cost at most
South African law caps what a lender may charge on short-term credit. For a first R2,000 loan over one month, the most a registered lender may charge is:
- Interest at 5% a month: R100
- Initiation fee (R165 plus 10% above R1,000): R265
- Monthly service fee: R60
Total to repay at most: R2,425, plus VAT on fees where charged and any optional insurance you agree to. Creditbar does not publish its rate, so compare its quotation with this maximum.
Fees as published: Not published on the website. Creditbar says: "All charges are disclosed upfront in your agreement, with no hidden fees." Fees and interest are set out in the pre-agreement statement and quotation.
See all the legal caps on our responsible lending page.
Creditbar requirements
- Be 18 or older
- South African citizen or permanent resident
- Regular source of income (stable income over the last 3 months)
- Active South African bank account to receive the money
- Working phone number
Documents you'll need
- Valid South African ID
- Bank statements for the last 3 months (uploaded automatically in most cases, or manually)
- Bank details for payout and DebiCheck debit order
Every credit provider must check that you can afford the loan. Nobody can promise approval without that check.
How to apply at Creditbar
- Choose your loan amount on creditbar.co.za.
- Create an account with your phone number and confirm it by SMS.
- Fill in your personal, employment and income details.
- Add your bank details and upload your bank statements.
- Wait for the automated review, then read and sign the agreement online.
- Approve the DebiCheck debit order with your bank for repayments.
We may earn a commission if you apply through this link. It does not change what you pay. How we make money.
Creditbar contact details and login
| Website | https://creditbar.co.za |
|---|---|
| Log in | https://creditbar.co.za/login |
| Phone | +27 21 301 0526 |
| contact@creditbar.co.za | |
| Address | Hyde Park House, 11 Century Way, Milnerton, Cape Town, 7441 |
Taken from Creditbar's own website in October 2026. Lendable Marketplace is not Creditbar and can't help with your account.
What customers say
We found no customer rating for Creditbar on Hellopeter or Trustpilot in October 2026.
We don't give our own star ratings. These scores are from independent review sites and can change daily.
Pros and cons
Pros
- Registered with the NCR as a credit provider (NCRCP23238), confirmed on the NCR register.
- South African company with a local phone number and email.
- Fully online application with DebiCheck repayments.
- Early settlement is allowed without penalties, according to its FAQ.
- Self-employed people and pensioners with regular income may apply.
Cons
- Interest rate and fees are not published on the website.
- Small loans only: R500 to R5,000.
- You need three months of bank statements.
- Very new company (registered in 2026), with no Hellopeter or Trustpilot reviews yet.
- Some site pages show inconsistent details, such as R8,000 and a placeholder NCR number.
Alternatives to Creditbar
Other NCR-registered lenders on our panel of 15:
- Crediwise — R500 – R4,000.
- Jabulani Money — R500 – R4,000, Payday (repayable on your next salary date).
- LendPlus — R500 – R4,000.
Related: Small loans, Short-term loans, Bad credit loans, Compare all lenders.
Questions to ask Creditbar before you sign
- What is the total amount I will repay, in rand, including interest and all fees?
- Is your NCR registration NCRCP23238 still active?
- What happens if I repay early, or miss a payment?
- Is any insurance compulsory, and what does it cost each month?
Struggling with debt already? Speak to a registered debt counsellor via the NCR before you borrow more.
How we checked this review
We checked Creditbar's own website and terms, and its number on the NCR register, in October 2026. We did not take out a loan. Spotted something out of date? Tell us and we'll check it. Read how we make money and check providers.
- Creditbar home page
- Creditbar FAQ
- Creditbar online loan application
- Creditbar how to repay
- Creditbar terms and conditions
- Creditbar privacy policy
- Creditbar contact us
- NCR register of registered credit providers
- Hellopeter search (no Creditbar listing found)
Creditbar — frequently asked questions
What do I need to apply for a Creditbar loan?
You must be 18 or older and a South African citizen or permanent resident. You need a valid SA ID, three months of bank statements and a working phone number. You also need regular income and a bank account for the payout.
How do I apply?
Choose an amount on creditbar.co.za and register with your phone number. Fill in your details and upload your bank statements. If approved, you sign the agreement online and confirm a DebiCheck debit order.
How do I log in to my Creditbar account?
Go to creditbar.co.za/login. You can check your loan status, payment amount and due date there.
How do I contact Creditbar customer care?
Call +27 21 301 0526 or email contact@creditbar.co.za. Creditbar also offers live chat on its website.
Is Creditbar NCR registered?
Yes. Creditbar publishes NCR number CP23238. The NCR register lists CREDIT BAR (PTY) LTD as NCRCP23238, status Registered.
What if I can't repay on time?
Contact Creditbar as soon as possible on +27 21 301 0526. Late payments may lead to extra fees and harm your credit record. If you are over-indebted, speak to an NCR-registered debt counsellor or contact the NCR on 0860 627 627.