Letocredit

Advertising across the partner network tops out at R15,000. What you actually receive depends on the partner's affordability and credit review of your profile.

Yes. Registration, comparison and brokerage fees do not apply to borrowers. Partner lenders fund the service. Your credit agreement carries any charges, all disclosed in the pre-agreement quotation before you sign.

Pull the legal entity name and NCRCP number from your pre-agreement quotation or the lender site footer, search that legal name on ncr.org.za, and confirm the NCRCP number matches. Walk away if the entity is absent from the register.

Certain partners advertise 0% on a first loan for new clients. Amounts and terms stay small, and each lender sets its own rules.

Your contract binds you to that lender, not Letocredit. Contact the lender first. Unresolved issues go to the NCR at ncr.org.za or 0860 627 627. Serious cases may reach the National Consumer Tribunal or a relevant Ombud.

The comparison form needs about 2 minutes. Lender decisions vary; many reply within 15–30 minutes in business hours.

The NCA requires an affordability assessment on every application. A second concurrent loan may fail if it would leave you over-indebted.

Letocredit's terms say personal data is handled under applicable privacy law and shared with partners only to match and process your application. Read the Letocredit privacy policy plus each lender's privacy notice for the full picture.

At the time of this review, no native app exists. The service runs as a mobile-responsive website only.