Creditomax: loan details and how to apply
Free online request service for personal loans of up to R10,000 from partner financial institutions, with a reply in about 15 minutes; Creditomax does not lend itself.
Updated 27 October 2026 · Checked by the Zaim.com editorial team
What Creditomax does
Creditomax is a one-page online service for South Africans who want to request a personal loan. The footer explains that the operator, Creditomax OÜ, does not provide financial services, is not a financial organization and cannot be held responsible for the financial terms of products offered by banks and lenders in response to a request. In other words, you send one request, and the loan itself is offered, assessed and paid out by a partner institution. The site says Creditomax does not charge for its services.
Terms published on the site
| Item | Details |
|---|---|
| Headline amount | up to R10,000 |
| Repayment term | 61 to 365 days |
| Annual rate (APR) | minimum 3.65%, maximum 180% |
| Response | in less than 15 minutes |
| Payout after approval | in less than 24 hours |
Every offer is subject to review by the financial institution and to signing a contract. The site's own loan example (R500 over 61 days at 180% a year) is shown to illustrate the top of the range, and the real figure depends on the lender that makes the offer. The highest rate on the range is steep, so always compare the total repayable amount.
Who can use it
- You live in South Africa.
- You are between 18 and 75 years old.
- You have an active South African bank account.
- You have an email address and a mobile phone.
How to request a loan
- Choose the amount you want with the selector on the page; the site states there is no commitment.
- Complete the online form and confirm your identity with the details listed above.
- Wait for the response; the site promises one in under 15 minutes.
- If a partner approves you, read and sign the contract. The money is sent to your bank account, according to the site within 24 hours.
Points to consider
- A single request instead of approaching lenders one by one.
- No charge from Creditomax and no obligation to take an offer.
- A wide age range, up to 75 years.
- Creditomax cannot promise approval: the decision belongs to the partner institution.
- The disclosed APR ceiling of 180% means some offers can be expensive.
- The site does not name its partner lenders or publish NCR numbers, so ask the lender for its National Credit Regulator registration.
- Statistics and customer reviews shown on the page are the operator's own claims and cannot be verified from the site.
Before you sign
Under the National Credit Act, a loan costs interest plus an initiation fee and a monthly service fee. Check the total repayable amount in the contract and be sure the monthly payments fit your budget.
Frequently asked questions
Is Creditomax a lender?
No. The operator says it does not provide financial services and is not a financial organization. Loans come from partner institutions.
Is Creditomax free?
The site says Creditomax does not charge for its services. Interest and fees are part of the lender's offer.
How soon will I get an answer?
The site promises a response in under 15 minutes and, after approval, a transfer in under 24 hours.
Who can request a loan?
Residents of South Africa aged 18 to 75 with an active South African bank account, an email address and a mobile phone.
What can the loan cost?
The published APR range is 3.65% to 180% for terms of 61 to 365 days. The lender confirms the exact rate in its offer.
How do I stop getting messages?
The site has an Unsubscribe page, and you can also write to the contact email in the footer.
| Official website | https://creditomax.co.za |
| Legal name | Creditomax OÜ |
| Registered address | Endla tn 4, 10142 Tallinn, Estonia (registration code 17026392) |
| contact@creditomax.co.za | |
| APR | From 3.65% to 180% |