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Crezu

4.0 (140 reviews)

Crezu is a free loan-comparison platform (operator Fininity Ltd, Estonia) showing offers of R500–R350 000 over 90 days to 6 years from lenders; it does not lend.

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CreditDeals may earn a referral fee when you use partner links on this page. Tracked links are marked sponsored; promoted partners show a «Recommended» label in catalog listings. The rating on this page is an editorial score, not payment for placement.

Crezu at a glance

In short: Crezu (crezu.co.za) is a free loan-comparison platform, not a lender. The South African site is operated by Fininity Ltd, registered in Estonia, under the Crezu brand, which a Tallinn-based financial-advertising business has operated since 2018. It shows non-binding offers from lenders for R500 to R350 000 over 90 days to 6 years, covering personal, debt-consolidation, payday and vehicle-finance loans. Crezu earns from lenders, not from you. Facts checked 26 October 2026.

Key facts

Crezu
What it isLoan comparison and referral platform — does not lend
OperatorFininity Ltd, Paadi tee 3, Haabneeme, Estonia
Amounts shownR500 – R350 000
Terms shown90 days – 6 years
Loan typesPersonal, debt consolidation, payday, vehicle finance
Cost to youFree
AvailabilityOnline 24/7
Lender listNot published

Who is behind Crezu

Crezu started in 2018 as a financial marketplace and affiliate network headquartered in Tallinn, Estonia, and runs Crezu sites in several countries. In South Africa the operator named for crezu.co.za is Fininity Ltd. There is no South African office or phone line; contact goes through the website.

Is Crezu safe to use?

Using Crezu is free and you are not committed to anything. The risk sits with the lender you choose. Crezu does not publish which lenders it works with, so:

  1. Look up every lender that makes you an offer on the NCR register (ncr.org.za).
  2. Compare the pre-agreement quotations — that is the only binding price.
  3. Ignore anyone who asks for an upfront fee to release a loan.
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Crezu review: broad comparison, but check every lender

4.00 reviews
Rating distribution
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Verdict: Crezu is a reasonable starting point if you need a larger personal or consolidation loan and want to see several offers at once. Because it does not say which lenders it works with, the checking is up to you: confirm each lender's NCR registration and compare quotations on the total amount repayable.

What we like

  • Free, non-binding comparison
  • Wide range: R500 to R350 000 and up to 6 years
  • Covers debt consolidation and vehicle finance, not only payday loans
  • Available around the clock

What to watch out for

  • Not a lender: approval, rate and fees come from the partner
  • Does not publish its partner lenders
  • Operated from Estonia; no local support line
  • Requires permanent employment

Who it suits

  • Permanently employed borrowers comparing personal or debt-consolidation loans of R10 000 and more.
  • People who want offers from several lenders without filling in several forms.

Who should look elsewhere

  • If you want to know the lenders before sharing your details, MoneyHello publishes its partner list.
  • If you need a small amount today and already know the lender, apply to it directly.
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What loans Crezu shows and who can apply

Range on crezu.co.za

Range
AmountR500 – R350 000
Term90 days – 6 years
Loan typesPersonal, debt consolidation, payday, vehicle finance
Cost of using CrezuFree
Crezu does not publish interest rates or a cost example. For reference: unsecured personal loans in South Africa were capped at 28.25% a year in October 2026 (repo rate 7.25% + 21%), and short-term loans of up to R8 000 cost more because of initiation and service fees. Your lender's quotation shows the real figure.

Who can apply

  • 18 or older, South African resident with a valid ID.
  • Permanently employed.
  • An active mobile number and a South African bank account.
  • Each lender adds its own credit and affordability checks.

Your protection

Crezu does not lend, so the National Credit Act protects you through the lender: affordability check, capped costs, a written quotation and the right to settle early.

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How Crezu works

  1. Enter the amount and term you need on crezu.co.za.
  2. Complete the form — identity, employment, income and bank details.
  3. Compare the offers. They are non-binding.
  4. Apply with the lender you choose; it checks your credit and affordability and sends a pre-agreement quotation.
  5. Sign only if the total cost works for you.

For a debt-consolidation loan, list every account you want to settle and compare the new instalment and the total repayable with what you pay now — a lower instalment over a longer term can cost more overall.

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How you receive a loan found through Crezu

Crezu never pays out money. The lender pays the loan into your bank account after you sign. Crezu advertises funding in about 15 minutes, but that depends on the lender and on your bank's processing times; payouts after hours usually arrive the next business day.

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Repaying a loan found through Crezu

Repayments go to the lender named in your agreement, usually by debit order. Early settlement, payment arrangements and any arrears charges are between you and that lender, under the National Credit Act. Crezu cannot change your terms.

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Crezu — Comparison with Similar Options

Crezu against other free loan-comparison services in South Africa, October 2026.

CrezuArcadia FinanceMoneyHelloFinpug
OperatorFininity Ltd (Estonia)Draivi Media Oy (Finland)SIA Finleadglobal (Latvia)Livornica AM LLC (Armenia)
AmountsR500 – R350 000R500 – R350 000R500 – R250 000R500 – R50 000
Terms90 days – 6 years6 – 72 months3 – 72 months61 – 365 days
Names its lendersNoPartlyYesNo
Cost to youFreeFreeFreeFree

Crezu or Arcadia Finance?

Both reach R350 000. Arcadia Finance describes sending one application to up to 16–19 lenders and showing the offers side by side; Crezu also covers vehicle finance.

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Crezu — Frequently Asked Questions

No. Crezu is a free loan-comparison platform; crezu.co.za is operated by Fininity Ltd in Estonia. Loans come from the lenders you choose.

No. Crezu is free for borrowers and earns from its partner lenders.

The site shows R500 to R350 000 over 90 days to 6 years, for personal, consolidation, payday and vehicle-finance loans.

South African residents aged 18 or older with a valid ID, permanent employment, an active mobile number and a South African bank account.

Crezu does not publish its partner list. Check every lender that makes you an offer on the NCR register at ncr.org.za.

The lender you signed with, using the method in your agreement.

Sultan Kanatov, Editor-in-Chief, CreditDeals
Author
Sultan Kanatov
Editor-in-Chief, CreditDeals
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Verified by: CreditDeals Editorial Team
Published: 18 May 2026
Updated: 26 October 2026

This article is for informational purposes only and does not constitute financial advice. Check the status of the specific company in the NCR register. Please read the contract carefully before signing. rating methodology.

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Crezu — Get Money Now

Crezu is a free loan-comparison platform (operator Fininity Ltd, Estonia) showing offers of R500–R350 000 over 90 days to 6 years from lenders; it does not lend.

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CreditDeals may earn a referral fee when you use partner links on this page. Tracked links are marked sponsored; promoted partners show a «Recommended» label in catalog listings. The rating on this page is an editorial score, not payment for placement.