CrediWise (crediwise.co.za) is an online lender for short-term and small-instalment credit, NCR-registered as NCRCP22496 under the National Credit Act (NCA) 34 of 2005. Every product follows NCA affordability, fee-cap and disclosure rules.
CrediWise sits between payday cash and small instalments: R500–R8,000 over 14–180 days. It promises decisions in about 15 minutes and publishes 5%–60% rates — clearer than many peers that only say "NCA cap".
Verify NCRCP22496 on ncr.org.za before you share banking details or sign.
Published rate range is 5%–60% — your quotation shows where you actually land.
How to verify CrediWise's NCR registration
- Open ncr.org.za and search registered credit providers.
- Search NCRCP22496 or the legal name on your pre-agreement quotation.
- Confirm the listing is active.
- Match the legal entity on your quotation to the NCR listing before sharing details.
- Save a dated screenshot of the active listing for your records.
Verify NCRCP22496 on ncr.org.za before you share banking details or sign.
Published rate range is 5%–60% — your quotation shows where you actually land.
What CrediWise offers
| Product feature | Details |
|---|---|
| Loan amount | R500 – R8,000 |
| Term | 14 – 180 days |
| Interest rate range | 5% – 60% (depends on affordability, profile and term) |
| Decision time | ≈ 15 minutes |
| NCR registration | NCRCP22496 |
| Collection rail | DebiCheck secure debit order |
| Verify NCRCP22496 on ncr.org.za before you share banking details or sign. |
Published rate range is 5%–60% — your quotation shows where you actually land.
Contact and support
| Channel | Details |
|---|---|
| Website | https://crediwise.co.za/ |
| Client portal | crediwise.co.za/user/registration/reg1 |
| Support email | info@crediwise.co.za |
| Availability | Online / business hours |
| Verify NCRCP22496 on ncr.org.za before you share banking details or sign. |
Published rate range is 5%–60% — your quotation shows where you actually land.
Why the published rate range matters
Many payday lenders hide behind "NCA cap" wording. CrediWise's 5%–60% range sets expectations upfront — lower end for strong profiles and shorter terms; 60% is the NCA ceiling for unsecured short-term credit. Always compare your quotation to this range.
Verify NCRCP22496 on ncr.org.za before you share banking details or sign.
Published rate range is 5%–60% — your quotation shows where you actually land.
FAQ — About CrediWise
Is CrediWise a legitimate NCR-registered lender? Yes — NCR NCRCP22496. Verify active status on ncr.org.za before signing.
What makes CrediWise different from a pure payday lender? Terms run from 14 days to 180 days — more flexible than single-product payday brands.
Who can apply for a CrediWise loan? SA residents 18+ with valid ID, a bank account in your own name and verifiable income.
Does CrediWise disclose its interest rate range publicly? Yes — 5%–60% by profile and term, more specific than generic "NCA cap" disclosures.