CreditDeals: loan details and how to apply
Independent comparison platform for South African loans and bank products; it does not lend, and the provider sets amount, term and rate.
Updated 27 October 2026 · Checked by the Zaim.com editorial team
What CreditDeals is
CreditDeals.io is an independent online comparison platform for financial products. Its South Africa section lists loans, credit cards, home loans, fixed deposits, debit cards and business banking. It is not a bank, a lender or a credit provider and does not pay out loans. When you submit an application, it goes to the credit provider you chose or its network, and any agreement is made between you and that lender. The platform operator is RocketMedia LLC, a company registered in Kazakhstan. The site describes the comparison as free of charge.
What you can find
| Item | Details on the site |
|---|---|
| Quick and micro loans | Listings from a few hundred rand; examples on the page go up to R5,000 or more depending on the provider |
| Personal loans | Bank listings with limits from R300,000 to R500,000, and catalogue text mentioning up to R350,000 or more |
| Terms | From a few weeks for short-term products to about six years for bank personal loans |
| Rates | Shown per listing; the site advises comparing the APR and initiation fees, not only the advertised rate |
| Cost of the comparison | Free |
Amounts, terms and rates are set by each provider. The figures on the platform change as listings are updated, and the site shows some inconsistent maximums, so always read the provider's own quote.
Who can apply
The site does not publish a general minimum age, income or employment requirement, because these are set by each lender. In South Africa a lender must assess affordability under the National Credit Act, and the site notes that an instalment should typically stay within about one third of net household income. Lenders may check your record with credit bureaus such as TransUnion, Experian and Compuscan (XDS). The site says applicants with adverse listings may still be considered, usually with higher rates, lower amounts or shorter terms.
How to apply
- Open the South Africa section and browse the loan listings or use the calculator.
- Pick a product and compare the amount, term, rate and rating.
- Use the "Apply now" page or the application link on the product page.
- Finish the application with the provider and read the full agreement before you sign.
The site does not state a decision time or promise approval. Some pages mention a "first loan free" section, but no terms are shown, so check any such offer directly with the lender.
What a loan can cost
Under the National Credit Act, the cost of credit is made up of interest, an initiation fee and a monthly service fee. Because the platform does not set rates, there is no single example that applies to everything listed. Ask the lender for the total amount repayable before you accept.
Advantages and drawbacks
- Many banks and lenders are shown in one place.
- Free to use, with no obligation to apply.
- Calculators for personal loans, savings and home loans.
- Listings are described as covering NCR-registered lenders and SARB-regulated banks.
- It is not a lender, so approval and terms depend on the provider.
- Published figures can be inconsistent between pages.
- No telephone number or office address is published.
Before you borrow
Check that the lender is registered with the National Credit Regulator, compare the total cost and not just the monthly instalment, and borrow only what your income can support.
Frequently asked questions
Is CreditDeals a bank or a registered credit provider?
No. The site states that it is an informational comparison platform and not a bank, lender or credit provider. Any loan agreement is between you and the lender you choose.
Does CreditDeals charge for its service?
The site describes the comparison as free. The lender may charge interest, an initiation fee and a monthly service fee, which are shown in its quote.
Can I get a loan with a poor credit record?
The site says applicants with adverse bureau listings may be considered, usually with higher rates, lower amounts or shorter terms. The decision is always made by the lender.
How do I apply?
Choose a product in the South Africa section and use the Apply now page or the application link on the product page. You then finish the application with the provider.
How can I contact CreditDeals?
You can use the contact form or write to info@creditdeals.io. The site says it responds within 24 hours. No phone number is published.
| Official website | https://creditdeals.io/za |
| Legal name | RocketMedia LLC |
| info@creditdeals.io |