Kredio app
Kredio's site refers to checking payment amounts "on the website or app", but we did not find a link to a Google Play or App Store listing on the official site, and a web search did not confirm a separate Kredio app. If you see an app that claims to be Kredio, check that it is linked from kredio.co.za before entering any personal details.
You do not need an app to borrow. The whole process works in a mobile browser: choose the amount, create your account, upload your bank statement, sign online and repay through your account. The site is designed for use from a phone as well as a computer.
Never share your ID number, banking details or one-time PINs with anyone outside the official application flow. The Fraud centre page on the site gives guidance on spotting fake messages.
Frequently asked questions
Is Kredio a registered credit provider?
Yes. Kredio (Pty) Ltd states on its website that it is registered with the National Credit Regulator as a credit provider under NCRCP 24149. You can verify this on the NCR website.
How much can I borrow from Kredio?
From R500 to R8,000. The amount and repayment term are set individually and shown in your pre-agreement quotation before you sign.
How fast will I get a decision and the money?
The site says you receive a decision within 15 minutes, 24/7, and the money reaches your bank account within 15 minutes after you sign the agreement.
What do I need to apply?
A valid South African ID, a bank statement not older than 3 months, proof of steady income, an active South African phone number and a bank account for the payout. You must be 18 or older.
Can I get a loan with bad credit?
Each application is assessed individually. According to the site, a lower credit score does not automatically disqualify you.
Can I repay early?
Yes. You can settle the loan early and pay less interest. Request the settlement amount in your account or via chat at least 3 working days before your due date.
