Crezu review
Crezu is a loan-matching service: it passes your application to partner lenders, for R500 – R350,000.
Apply at Crezu
Crezu
Loan-matching service
- Loan amount
- R500 – R350,000
- Term
- 6 – 72 months
- Rate
- APR 12% – 36% (set by matched lender)
- Company
- Fininity Ltd (Fininity OÜ)
- Based in
- Estonia
- Checked
- October 2026
Crezu 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 Crezu
Crezu 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 Fininity Ltd (Fininity OÜ) in Estonia (registration 14523902).
Crezu offers R500 – R350,000 over 6 – 72 months. Its published rate is APR 12% – 36% (set by matched lender).
On speed, Crezu says: Set by the lender. Crezu's homepage says "Offer in 2 min, funds in 15 min". We could not verify this; actual timing depends on the lender. We have not tested this ourselves.
What Crezu says a loan costs
Crezu's own example: "Loan of R30 000 to be repaid in 6 months. The total cost will be R1 800, and the total amount to be repaid will be R31 800, with an APR of 12%."
Fees as published: Crezu does not charge users. Its terms say it "may be paid a fee by the Lender or Provider for connecting you to them". Lender fees depend on the lender.
The lender you are matched with must give you a written quotation first. Compare the total amount you will repay, not only the rate.
Crezu requirements
- South African ID
- A bank account
- A phone number
- Internet access
Documents you'll need
- South African ID
- Bank account details
- Phone number
Every credit provider must check that you can afford the loan. Nobody can promise approval without that check.
How to apply at Crezu
- Complete the form on crezu.co.za. Crezu says: "All you need is your phone number and 2 minutes of your time."
- Compare the loan offers from lenders in Crezu's network.
- Choose a lender, sign its agreement and receive the money in your bank account, if approved.
We may earn a commission if you apply through this link. It does not change what you pay. How we make money.
Crezu contact details and login
| Website | https://crezu.co.za/ |
|---|---|
| info@crezu.co.za | |
| Address | Fininity Ltd, Paadi tee 3, Haabneeme, 74001 Harju maakond, Estonia |
Taken from Crezu's own website in October 2026. Lendable Marketplace is not Crezu and can't help with your account.
What customers say
We found no customer rating for Crezu 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. Crezu is paid by lenders, not by you.
- Publishes an APR range (12% to 36%) and a representative example.
- Wide range, from R500 to R350,000 over 6 to 72 months.
- Says it works with NCR-licensed banks and lenders.
Cons
- Not a lender. The matched lender sets the final rate, fees and term.
- Your application details are passed to lenders in its network.
- Operated from Estonia. No phone number is published.
- The speed claim ("funds in 15 min") is a marketing line, not a promise.
Alternatives to Crezu
Other loan-matching services on our panel of 15:
- Dengoo — Up to R350,000, 1 – 365 days.
- Arcadia Finance — R500 – R350,000, 6 – 72 months.
- Creditum — R500 – R500,000, 6 – 72 months.
Related: Short-term loans, Online loans, Bad credit loans, Compare all lenders.
Questions to ask Crezu 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 Crezu'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.
Crezu — frequently asked questions
What do I need to use Crezu?
Crezu's site lists a South African ID, a bank account, a phone number and internet access. Each lender sets its own age, income and credit rules.
How do I apply through Crezu?
Fill in the form on crezu.co.za. Compare the offers you get. Then pick a lender, sign its agreement and get paid by that lender if approved.
Is there a Crezu login?
We did not find a customer login on crezu.co.za. If you take a loan, you manage it with the lender you chose.
How do I contact Crezu?
Email info@crezu.co.za. Complaints go to complaints@crezu.net. The operator is Fininity Ltd, Paadi tee 3, Haabneeme, Estonia. No phone number is published.
Is Crezu registered with the NCR?
No. Crezu's terms say: "We are not a Lender nor a Provider." It connects you with lenders it describes as NCR-licensed. Check the lender's NCRCP number at ncr.org.za before you sign.
What if I can't repay?
Your loan is with the lender, so its terms apply, not Crezu's. If you can't pay, contact the lender before the due date. If you are over-indebted, speak to an NCR-registered debt counsellor (find one at ncr.org.za or call the NCR on 0860 627 627).