Crezu

4.0 (140 reviews)

Crezu is a free South African loan comparison platform connecting borrowers with NCR-registered lenders. Learn about the company, its structure and how to verify lender licences on Creditdeals.io.

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Crezu — What Is the Platform and Who Operates It

Crezu (crezu.co.za) is a South African online loan comparison and matching platform. Rather than acting as a direct lender, Crezu operates as a financial technology intermediary that collects a single borrower application and forwards it in real time to a curated network of credit providers — all of whom hold active National Credit Regulator (NCR) registrations under the National Credit Act 34 of 2005. Borrowers pay nothing to use the Crezu service; the platform earns a referral fee from lenders upon successful matching. Crezu is part of the global Crezu Fin-Ad-Tech group (crezu.com), which operates loan-matching platforms in multiple countries including South Africa, the Philippines, Spain, and other markets. The South African domain — crezu.co.za — is operated locally and complies with South African consumer credit legislation.

Why Choose Crezu?

Zero cost to borrower. The platform earns its revenue from lenders

Zero cost to borrower. The platform earns its revenue from lenders — you are never charged for comparing or applying.

Wide loan range. R500 to R350 000 covers everything from a small cash advance to

Wide loan range. R500 to R350 000 covers everything from a small cash advance to a substantial personal loan, accessible through one application form.

Single-form multi-lender matching. One application reaches multiple lenders simu

Single-form multi-lender matching. One application reaches multiple lenders simultaneously, saving time and reducing the number of hard credit inquiries.

Soft initial matching. The Crezu matching step does not impact your credit score

Soft initial matching. The Crezu matching step does not impact your credit score; only the final lender's affordability assessment may involve a formal credit check.

Key Features Crezu

Parameter	Value
Loan amount range	R500 – R350 000
Repayment term	From 61 days (2 months) up to longer terms depending on lender
Interest rate (lender network)	12% – 36% per annum (varies by lender and borrower profile)
Decision time	Approximately 2 minutes
Cost to borrower	Free — Crezu charges no fees
NCR compliance	All network lenders hold NCR registrations
Funds disbursement	Varies by lender; typically within 24–48 hours of signed agreement
Application channel	100% online via crezu.co.za
Transparency	4/5
Ease of application	5/5
Lender network quality	4/5
Speed (initial matching)	5/5
Speed (fund disbursement)	3/5 — lender-dependent
Customer service	3/5
Overall	4 / 5