Yes — NCR NCRCP22496. Confirm active status on ncr.org.za before applying.
Crediwise
CrediWise (crediwise.co.za): NCRCP22496 under the National Credit Act. R500–R8,000 short-term and instalment loans. How to verify the licence before you apply.
Frequently Asked Questions
Typically R500–R8,000 by profile and affordability; your pre-agreement quotation shows exact amount and total cost.
Many fintech lenders, including CrediWise, pay via EFT or RTC within minutes to a few hours on business days after signing and DebiCheck.
Valid SA ID, bank account in your name, income proof (payslip or statements) and mobile for OTP.
Yes — under the NCA, settle early and pay interest for days used unless your pre-agreement says otherwise. Get a settlement quote first.
A failed DebiCheck can bring bank fees and default interest within NCA limits; defaults may hit TransUnion, Experian or other bureaus. Contact CrediWise before the due date.
Agreements run 14–180 days; your signed pre-agreement states exact due date and total repayment.
It spans strong profiles on short terms (near 5%) up to the NCA ceiling for higher-risk unsecured short-term credit (60%).
No native app at review time — responsive web at crediwise.co.za.
Contact info@crediwise.co.za first; escalate to the NCR or Credit Ombud if unresolved.
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CrediWise (crediwise.co.za): NCRCP22496 under the National Credit Act. R500–R8,000 short-term and instalment loans. How to verify the licence before you apply.