Crediwise review
Crediwise is an NCR-registered lender (NCRCP22496) offering R500 – R4,000.
Apply at Crediwise
Crediwise
NCR-registered lender · NCRCP22496 · confirmed on the NCR register
- Loan amount
- R500 – R4,000
- Term
- Not published
- Rate
- Not published
- Company
- CrediWise Technology (Pty) Ltd
- Based in
- South Africa
- Checked
- October 2026
About Crediwise
Crediwise is run by CrediWise Technology (Pty) Ltd (company number 2025/543233/07), 2 Long Street, Cape Town, Western Cape 8001. It is registered with the National Credit Regulator as NCRCP22496, which we confirmed on the NCR register in October 2026.
Crediwise offers R500 – R4,000. It does not publish an interest rate on its website, so ask for a full quotation before you sign.
On speed, Crediwise says: "Get approval and credited in just 5 minutes *" with the footnote "* Approval is based on affordability calculations and bank account transfer times may be affected by bank rules". FAQ: "During business hours (specified on the website), processing the request takes from 15 minutes to 2 hours." 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. Crediwise does not publish its rate, so compare its quotation with this maximum.
Fees as published: Not published. FAQ: "In the event that you pay late, a late fee will apply."
See all the legal caps on our responsible lending page.
Crediwise requirements
- At least 18 years old (Terms and Conditions)
- A valid South African ID
- Bank statements for the latest 3 months
- A valid cellphone number
- Approval depends on an affordability calculation
Documents you'll need
- Valid SA ID
- Latest 3 months' bank statements
- Valid cellphone number
Every credit provider must check that you can afford the loan. Nobody can promise approval without that check.
How to apply at Crediwise
- Choose your amount on the loan calculator at crediwise.co.za
- Create an online profile and fill in your details accurately
- Wait for the affordability check and an SMS confirmation
- Accept the loan agreement and the DebiCheck mandate
- The money is paid into your bank account
We may earn a commission if you apply through this link. It does not change what you pay. How we make money.
Crediwise contact details and login
| Website | https://crediwise.co.za/ |
|---|---|
| Log in | https://crediwise.co.za/user/login |
| Phone | +27 71 539 4220 |
| support@crediwise.co.za | |
| Address | 2 Long Street, Cape Town, Western Cape 8001 |
| Hours | Mon–Fri 8am–5pm, Sat 8am–1pm |
Taken from Crediwise's own website in October 2026. Lendable Marketplace is not Crediwise and can't help with your account.
What customers say
- Hellopeter: 2.7 out of 5 (TrustIndex 4 out of 10), from 54 reviews (checked 2026-10-01).
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 NCRCP22496, which we confirmed on the NCR register.
- Short document list: SA ID, three months' bank statements and a cellphone number.
- Repeat customers can be offered up to R8,000.
- Many repayment options, including Capitec Pay, EFT, Ozow, card and Pay@ stores.
Cons
- No interest rate, fees or loan term are published on the website.
- Low Hellopeter score of 2.7 from 54 reviews in the last 12 months.
- A late fee applies if you pay late, but the amount is not published.
- A young company, registered in 2025.
Alternatives to Crediwise
Other NCR-registered lenders on our panel of 15:
- Jabulani Money — R500 – R4,000, Payday (repayable on your next salary date).
- LendPlus — R500 – R4,000.
- Prime Loans — R500 – R4,000.
Related: Small loans, Short-term loans, Bad credit loans, Compare all lenders.
Questions to ask Crediwise before you sign
- What is the total amount I will repay, in rand, including interest and all fees?
- Is your NCR registration NCRCP22496 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 Crediwise'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.
- Crediwise homepage
- Crediwise FAQ
- Crediwise About us
- Crediwise How to borrow
- Crediwise How to repay
- Crediwise Contact us
- Crediwise Terms and Conditions
- NCR register of credit providers (search NCRCP22496)
- Hellopeter – CrediWise SA
Crediwise — frequently asked questions
What do I need to qualify for a Crediwise loan?
You must be at least 18 with a valid SA ID and a cellphone number. You also need your latest three months of bank statements. Approval depends on an affordability check.
How do I apply for a Crediwise loan?
Choose an amount on crediwise.co.za and create an online profile. You will get an SMS once a decision is made. If approved, accept the agreement and DebiCheck mandate to receive the money.
How do I log in to my Crediwise account?
Log in at crediwise.co.za/user/login. You can also use the link Crediwise sends by SMS or email. Your account shows your due date and repayment options.
How do I contact Crediwise customer care?
Call +27 71 539 4220 or email support@crediwise.co.za. Hours are Monday to Friday 8am to 5pm, and Saturday 8am to 1pm.
Is Crediwise NCR registered?
Yes. CrediWise Technology (Pty) Ltd is registered with the NCR as NCRCP22496. We confirmed this on the NCR register in October 2026.
What if I can't repay my Crediwise loan?
Contact Crediwise before the due date on +27 71 539 4220 to discuss a new arrangement. Late payment can add fees and harm your credit record. If you are over-indebted, speak to an NCR-registered debt counsellor. You can find one, or lodge a complaint, through the NCR at ncr.org.za.