CrediWise targets speed while meeting mandatory NCA affordability checks — full flow below.
Verify NCRCP22496 on ncr.org.za before you share banking details or sign.
Step-by-step process
- Open crediwise.co.za and set amount and term on the calculator.
- Click Apply/Register — go to /user/registration/reg1.
- Enter personal details — name, ID, mobile, email, employment, income, banking.
- Provide three months' statements — bank feed (TruID-style) or upload.
- Get a decision in about 15 minutes.
- Sign agreement and DebiCheck electronically — funds release to your bank account.
Verify NCRCP22496 on ncr.org.za before you share banking details or sign.
Documents to have ready
- Valid SA ID (green book or smart card)
- Three months' statements — feed or upload
- Active mobile number
- SA bank account in your own name
- Proof of age 18+ (your ID covers this)
Verify NCRCP22496 on ncr.org.za before you share banking details or sign.
What happens after you submit?
CrediWise runs automated NCA affordability on declared income and debt. If approved, you get a pre-agreement quotation with your rate (5%–60%), fees and schedule before signing.
Verify NCRCP22496 on ncr.org.za before you share banking details or sign.
Common reasons for decline
- Affordability fails after essentials and existing debt
- ID name does not match account holder
- Debt review, administration or sequestration
- Incomplete or inconsistent statement uploads
Verify NCRCP22496 on ncr.org.za before you share banking details or sign.
Tips for a smoother approval
Apply in business hours, use your salary account for faster verification, and read your exact rate — the 5%–60% band is wide, so know where you land before signing.
Verify NCRCP22496 on ncr.org.za before you share banking details or sign.
FAQ — How to apply
How long does the CrediWise decision take? About 15 minutes once statements and personal details are complete.
Do I need to upload statements manually? Not always — instant bank-feed verification (TruID-style) can replace manual upload.
What if I'm declined? Wait for real change in circumstances — repeated quick re-applications rarely work.