Creditomax review
Creditomax is a loan-matching service: it passes your application to partner lenders, for R500 – R15,000.
Apply at Creditomax
Creditomax
Loan-matching service
- Loan amount
- R500 – R15,000
- Term
- 61 – 365 days
- Rate
- APR 3.65% – 180% (set by matched lender)
- Company
- Creditomax OÜ
- Based in
- Estonia
- Checked
- October 2026
Creditomax is not a registered credit provider. It passes your details to partner lenders. The lender you are matched with sets the rate, fees and term, and must be registered with the NCR. Check that lender's NCR number before you sign.
About Creditomax
Creditomax is not a credit provider. It passes your application to partner lenders, and the lender you are matched with sets the rate, fees and term. It is run by Creditomax OÜ in Estonia (registration 17026392 (Estonian registration code); VAT EE102757044).
Creditomax offers R500 – R15,000 over 61 – 365 days. Its published rate is APR 3.65% – 180% (set by matched lender).
On speed, Creditomax says: Creditomax does not pay out loans itself. Its site says: "After your application is approved, your online loan will be transferred to your account in less than 24 hours!" Actual timing depends on the lender. We have not tested this ourselves.
What Creditomax says a loan costs
Creditomax's own example: Creditomax's own wording: "if you request a loan of 500 ZAR that will be repaid in 61 days with 180% interest rate per year, the total payment of the loan will be 583 ZAR."
Fees as published: Creditomax says it "will not charge you for using its services". Lender fees are not published.
The lender you are matched with must give you a written quotation first. Compare the total amount you will repay, not only the rate.
Creditomax requirements
- South African resident
- Aged 18 to 75
- Active South African bank account
- Email address
- Mobile phone
Documents you'll need
- South African ID number (asked for on the form)
- Any further documents are set by the lender you are matched with
Every credit provider must check that you can afford the loan. Nobody can promise approval without that check.
How to apply at Creditomax
- Choose an amount on creditomax.co.za.
- Enter your name, email, phone number and ID number.
- Consent to Creditomax sharing your details with partner lenders.
- Receive matched loan offers by SMS or email.
- Apply with the lender you choose and sign its agreement.
We may earn a commission if you apply through this link. It does not change what you pay. How we make money.
Creditomax contact details and login
| Website | https://creditomax.co.za |
|---|---|
| contact@creditomax.co.za | |
| Address | Endla tn 4, 10142, Kesklinna linnaosa, Tallinn, Estonia |
Taken from Creditomax's own website in October 2026. Lendable Marketplace is not Creditomax and can't help with your account.
What customers say
We found no customer rating for Creditomax 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
- Free to use, according to Creditomax.
- One short form can reach several partner lenders.
- Publishes an APR range and a representative example.
Cons
- Not a lender and not registered with the NCR.
- Your ID number and contact details go to partner lenders and may be used for marketing.
- Email is the only contact method; no phone or login.
- Offshore company in Estonia, not South Africa.
- Stated maximum APR of 180% is far above SA legal caps, and the example figures do not add up.
Alternatives to Creditomax
Other loan-matching services on our panel of 15:
- Letocredit — R500 – R15,000, 61 – 365 days.
- MoneyHello — R500 – R25,000, 3 – 72 months.
- Binixo — R1,000 – R50,000, Up to 6 months.
Related: Short-term loans, Online loans, Bad credit loans, Compare all lenders.
Questions to ask Creditomax before you sign
- What is the total amount I will repay, in rand, including interest and all fees?
- Which lender will I sign with, and what is its NCR number?
- 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 Creditomax's own website and terms, 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.
- Creditomax home page
- Creditomax application form
- Creditomax privacy policy (PDF)
- NCR register of registered credit providers
- Hellopeter search (no Creditomax listing found)
Creditomax — frequently asked questions
Is Creditomax a lender?
No. Creditomax OÜ says it does not provide financial services. It matches you with partner lenders and passes your details to them. The lender you choose sets the amount, rate and fees.
What do I need to apply?
Creditomax asks that you live in South Africa and are 18 to 75. You need an active SA bank account, an email address and a mobile phone. The form also asks for your ID number.
How does the application work?
You choose an amount and fill in a short form. Creditomax shares it with partner lenders and sends you matched offers. You then apply with the lender you pick.
Is there a Creditomax login or customer care number?
We found no login page or phone number. The only published contact is contact@creditomax.co.za. For questions about a loan, contact the lender you signed with.
Is Creditomax registered with the NCR?
No. Creditomax does not publish an NCR number and is not on the NCR register. Only use a lender that shows an NCRCP number you can check at ncr.org.za.
What if I can't repay my loan?
Contact your lender straight away, as Creditomax is not party to your loan. If you are struggling with debt, speak to an NCR-registered debt counsellor or call the NCR on 0860 627 627.