Useful detail. A few things to clarify.
The website identifies its operator and publishes amounts, daily rates and document requirements. The minimum term differs between the headline and calculator, and the complete repayment depends on the lender’s quote.
- Operator and registration details
- Document checklist
- New and repeat customer daily rates
- Available term for your application
- VAT and each fee in the quote
- Full repayment and payment dates
Everything at a glance
| Published amount | R500–R8,000 |
|---|---|
| Repayment term | 1–6 months advertised |
| Customer limit | The calculator also starts at 5 days; confirm the available schedule in your quote. |
| Application channel | Provider website |
| Rates and fees | The site lists daily rates of 0.16% for new customers and 0.10% for subsequent customers, plus initiation fees and a R69 monthly service fee. Confirm the complete dated quote. |
Small daily rate.
A clearer view of the cost.
The website lists 0.16% a day for new customers and 0.10% for subsequent customers. This example assumes a constant R3,000 balance for 30 days; it does not model instalments.
R3,000 × 0.0016 × 30 = R144
Try the interest calculation
R3,000 × 0.16% × 30 days
Excludes initiation fees, service fees, VAT and any other charges. This is not total repayment or a lender quote.Scenario days do not indicate an available loan term. If the balance changes, interest must be calculated for each applicable period.
| Same R3,000 balance | 30 days | 60 days | 90 days |
|---|---|---|---|
| New customer · 0.16% / day | R144 | R288 | R432 |
| Subsequent · 0.10% / day | R90 | R180 | R270 |
These are Finoro arithmetic examples, excluding fees. They are not annual percentage rates.
What else is in the quote?
The site describes a tiered charge plus VAT and a cap. Confirm the exact rand amount.
R69 a month is published. Confirm how it applies to your schedule.
Check insurance, financed fees and any additional agreed costs.
Use the quote’s payment schedule to confirm the total. Do not add VAT again if it is already included.
Have the essentials ready
- SA ID
- Mobile number and own bank details
- Three recent bank statements showing salary deposits
These are published starting requirements. The actual lender decides eligibility and the final amount.
Your next steps
- Review the information
Check the product, customer limits and requirements.
- Continue on the official website
Complete any application with the provider, at your own choice.
- Check the final quote
Review every fee, total repayment and due date before accepting.
Our rating.
Every point explained.
| Criterion | Score | Reason |
|---|---|---|
| Amount range | 1 / 1 | R500–R8,000 is published. |
| Term clarity | 0.5 / 1 | Headline says 1–6 months; calculator starts at 5 days. |
| Cost clarity | 0.5 / 1 | Rates and fee structure are listed; complete cost requires a quote. |
| Document requirements | 1 / 1 | ID, bank statements and contact details are listed. |
| Operator disclosure | 1 / 1 | Company, contact and NCR number are published. |
This rubric measures website disclosures only. It does not assess complaint handling, loan suitability, approval likelihood, current NCR status or customer experience. The score can change when information is updated.
Questions about CreditZA
Is CreditZA the company name?
The website identifies the operator as Century Financial Services (Pty) Ltd. CreditZA is the domain used for the service.
Does R8,000 mean I will receive R8,000?
No. It is a published maximum; your approved amount depends on the lender’s assessment.
Is the interest calculator a complete repayment quote?
No. It shows simple interest on a constant balance. Fees and other charges are excluded.
Does the Finoro rating mean the lender is verified?
No. It evaluates the clarity of website information. Current registration status has not been independently confirmed.
Meet the operator
- Published operator
- Century Financial Services (Pty) Ltd
- Company registration
- 2023/140135/07
- NCR number stated on website
- NCRCP20790
- Contact
- +27 21 054 1057
Company and NCR details are website disclosures. Finoro has not independently confirmed current NCR register status.
Check the NCR registerDetails to clarify
Headline and calculator minimum terms differ. The advertised range does not establish your approved amount.
Sources
Official website / termsReviewed 12 October 2026. Published conditions may change. The partner offer button uses a referral link. Finoro may receive a commission; source links remain editorial references.