Crezu: loan details and how to apply
Free online service that matches you with NCR-licensed lenders, from R500 to R350,000 over 6 to 72 months, APR 12% to 36%; it does not lend itself.
Updated 27 October 2026 · Checked by the Zaim.com editorial team
What Crezu is
Crezu (crezu.co.za) is an online loan platform for South Africa. It is not a bank or a lender and does not provide financing itself. According to the site, it helps people find and apply for loans from a network of NCR-licensed banks and lenders and acts as an intermediary between customers and licensed financial institutions. Using Crezu is free for customers, offers are non-binding, and the site says it does not charge upfront fees. Crezu is a brand of Fininity OÜ (also written Fininity Ltd), registered in Estonia under number 14523902.
Loan conditions at a glance
| Item | Details |
|---|---|
| Loan amount | R500 to R350,000 |
| Repayment period | 6 to 72 months |
| APR (site disclosure) | 12% to 36%, maximum 36% |
| Cost to the applicant | Free to use; lender fees apply to any loan |
| Minimum age | 18 years |
The site's representative example: a loan of R30,000 repaid over 6 months has a total cost of R1,800, so the total repayable amount is R31,800, with an APR of 12%. The rate you are offered depends on the lender and your profile.
Who can apply
- You are at least 18 years old.
- You have been employed for at least 6 months.
- The loan you request does not exceed 8 times your monthly income.
- You have a South African ID, a bank account and a phone number.
Lenders in the network apply their own criteria and may ask for additional documents when you apply with them.
How to apply
- Choose the amount and fill in the short form with your phone number and details.
- Receive offers from several lenders, matched to your profile.
- Compare them and select the lender with suitable terms.
- Sign the agreement with the lender, who pays the money into your bank account.
The site says offers appear in about two minutes and that funds can arrive in around 15 minutes, but payout speed depends on the lender.
What a loan can cost
Under the National Credit Act, the cost of a loan is made up of interest, an initiation fee and a monthly service fee. Lenders must outline all fees before you agree to the terms, so compare the total repayable amount and not only the monthly instalment. Most lenders allow early repayment, often without penalties, according to the site; check this in your own agreement.
Advantages and drawbacks
- One application leads to several offers.
- No fee for using the service and no obligation to accept an offer.
- A wide range of amounts, up to R350,000, and terms up to 72 months.
- Available online at any time of day.
- Crezu does not decide on your loan, so approval is not guaranteed.
- Most lenders run a credit check, so a low score can mean higher interest.
- The employment requirement of 6 months may exclude some applicants.
- Repayments and queries about a loan go to the lender, not to Crezu. The operator may be paid a fee by the lender for the introduction.
Before you accept an offer
Read the credit agreement carefully, confirm the lender is registered with the National Credit Regulator, and check the total repayable amount and due dates. The site also has a Debt Review page for people who already struggle with repayments; consider talking to a registered debt counsellor before taking on more credit.
Frequently asked questions
Is Crezu a lender?
No. Crezu is a loan platform that connects you with NCR-licensed banks and lenders. It does not provide financing directly and is not responsible for loan agreements.
How much does it cost to use Crezu?
Using Crezu is free for customers and there are no upfront fees. All fees on a loan are set out by the lender before you agree to its terms.
Who can apply?
You must be at least 18, have been employed for at least 6 months, and request no more than 8 times your monthly income. You also need a South African ID, a bank account and a phone number.
How much can I borrow and for how long?
Loan amounts range from R500 to R350,000. The site states repayment periods of 6 to 72 months and APRs from 12% to 36%.
Do lenders check my credit score?
According to the site, most lenders perform a credit check. If your score is low you may still qualify, but possibly at a higher interest rate.
Can I repay early?
The site says most lenders allow early repayment, often without penalties. Check your own credit agreement for the exact terms.
| Official website | https://crezu.co.za |
| Legal name | Fininity OÜ |
| Registered address | Paadi tee 3, Haabneeme, 74001 Harju maakond, Estonia |
| info@crezu.co.za | |
| APR | From 12% to 36% |