Crezu

Yes. Crezu does not charge borrowers any fees at any stage — not for the application, not for matching and not for receiving offers. Crezu's revenue comes from referral fees paid by lenders when a successful match is made. The cost of credit (interest, initiation fee, monthly service fee) is charged by the matched lender and disclosed in the lender's pre-agreement quotation before you sign.

Possibly. The Crezu network includes lenders with varying credit-risk appetites. Some lenders consider applicants with impaired credit histories; others do not. However, all NCR-registered lenders are required by law to perform an affordability assessment — if your income cannot comfortably cover the repayment, lenders must decline regardless of credit score. A poor credit history typically means higher interest rates and lower loan amounts even where approval is possible.

The matching step takes approximately 2 minutes. After you select an offer and complete the lender's onboarding — uploading documents and signing the credit agreement electronically — funds are typically disbursed within 24–48 hours. Some lenders offer same-day transfers for early-morning applications with clean documentation; others may take longer.

Crezu.co.za has been assessed as "Very Likely Safe" by independent web-security tools. The platform uses SSL/TLS encryption and all partner lenders are required to hold active NCR registrations. As with any financial platform, verify the exact NCR registration number of the lender who presents you with an offer before signing any agreement. Use the NCR register at https://www.ncr.org.za/index.php/registered-credit-providers.

The Crezu network covers loans from R500 to R350 000, including personal loans, debt consolidation and small-business financing. The specific amounts available to you depend on your income, existing debt obligations and the matched lender's product range.

To apply through Crezu you must generally be: - 18 years of age or older. - A South African resident. - Currently employed (or with a verifiable regular income), with at least 6 months of continuous employment. - Earning an income from which the requested repayment amount is affordable (typically loan amount should not exceed approximately 8 times your monthly net income). - A holder of a valid South African bank account.

If the Crezu network cannot find a suitable match for your profile, you will be notified. In this situation, consider: checking your credit report for errors via TransUnion (transunion.co.za), Experian (experian.co.za) or Compuscan; consulting a registered debt counsellor if you are over-indebted; or exploring smaller loan amounts that may qualify under stricter affordability criteria.

Yes — you can withdraw from a Crezu application at any time before you sign a credit agreement with a matched lender. If you have already signed a credit agreement with the lender, you have a statutory 5-business-day right of rescission under the NCA to cancel without penalty, provided the credit does not exceed R250 000 and funds have not yet been disbursed.

Contact Crezu through the support channels listed on the official website at https://crezu.co.za/. A Facebook page is maintained at facebook.com/61574766916209. For regulatory complaints about a specific lender, contact the NCR at 0860 627 627 or complaints@ncr.org.za.