CreditoMax

No — it is a matching service. The credit agreement is with the partner lender that approves your application.

Not at the matching stage — only a soft search. The matched lender performs a hard pull when you accept its offer.

South African residents aged 18 to 75 with a valid SA ID, active SA bank account, email address and mobile phone.

Up to R10 000 across the partner panel.

Less than 24 hours via the matched lender after the agreement is signed.

Some partner lenders consider lower scores, but every application requires an affordability test under the NCA. Active judgments are typically declined.

Yes — the form is online 24/7; final disbursement is processed during banking hours by the matched lender.

No — the service is free to consumers.