Side-by-side comparison
| Feature | CrediWise | Wonga SA | Lime24 | Boodle | FinChoice | Capfin |
|---|---|---|---|---|---|---|
| Min amount | R500 | R500 | R300 | R100 | R8,000 | R1,000 |
| Max amount | R8,000 | R8,000 | R8,000 | R8,000 | R250,000 | R50,000 |
| Term | 14–180 days | Up to 6 months | Up to 6 months | Up to 6 months | Up to 36 months | 6–12 months |
| Rate range | 5%–60% | NCA cap | NCA cap | NCA cap | NCA cap | NCA cap |
| Decision speed | ≈ 15 min | Minutes | Minutes | Minutes | Hours | Hours |
| NCR registered | Yes (NCRCP22496) | Yes | Yes | Yes | Yes | Yes |
Verify NCRCP22496 on ncr.org.za before you share banking details or sign.
CrediWise vs Wonga SA
Both cap at R8,000 online. Wonga has stronger brand recall; CrediWise publishes 5%–60% upfront more clearly than Wonga often does.
Verify NCRCP22496 on ncr.org.za before you share banking details or sign.
CrediWise vs Lime24
Lime24 starts from R300 with repeat-borrower discounts. CrediWise offers instalment terms up to 180 days versus Lime24's shorter max.
Verify NCRCP22496 on ncr.org.za before you share banking details or sign.
CrediWise vs FinChoice
FinChoice is up to R250,000 over 36 months. FinChoice above R8,000; CrediWise up to R8,000 for very short or moderate instalment terms.
Our verdict
Pick CrediWise for one application covering short-term and small instalments up to R8,000 with upfront rate range. Pick Wonga SA or Lime24 for a different first-loan shape. Pick FinChoice above R8,000.
Verify NCRCP22496 on ncr.org.za before you share banking details or sign.
FAQ — Comparison
Is CrediWise cheaper than Wonga SA? Depends on your profile — same NCA caps, but CrediWise's 5%–60% range is a clearer pre-application benchmark.
Which lender offers the longest term for a small loan? CrediWise offers up to 180 days — among the longer terms here under R8,000.
Should I choose CrediWise or FinChoice? CrediWise up to R8,000; FinChoice for larger instalment loans over longer periods.