KREDZO - Find the right loan. Fast. Simple. Trusted.

Find the right loan.

Compare top short-term loans in South Africa and get the cash you need — today.

Get funds
as fast as today

Safe & secure
applications

Trusted lenders
in South Africa

Compare top loan offers

How it works

1. Compare

Browse and compare trusted loan offers

2. Choose

Pick the offer that suits your needs

3. Apply

Complete the lender's secure application

4. Get Paid

Receive your funds quickly

Why South Africans trust KREDZO

100% Free to use

We never charge you a fee

Only trusted lenders

We partner with registered and reputable lenders

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Local support

We're here to help, when you need it

Legal and Financial Information

Repayment terms: The minimum repayment period is 61 days, and the maximum is 365 days (or the maximum term set by partners).
Interest rate and CAT: The maximum Annual Interest Rate (TIA) may vary depending on the client's credit profile and the selected financial institution. Maximum annual interest rate: 450% (includes the interest rate and all annual fees). Weighted Average CAT (Total Annual Cost): 215.4% excluding VAT.
(Note: These figures are for informational purposes only and may vary depending on the lender).

Representative Loan Example

For a loan of R5,250 with a repayment term of 120 days (4 months):

Annual interest rate: 110%
Total interest amount: R1,898
Opening fee (if applicable): R263
Total amount payable: R7,411
Informative CAT: 145.2% excluding VAT.

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Service Availability

The availability of services and offers may depend on your location, profile, and the operating hours of the service providers.

Impact on Credit History

Some lenders may consult credit bureaus or use alternative sources for identity verification, risk assessment, and solvency checks.

This site is not a lender or credit broker and does not make decisions regarding loan approval or contract terms.

Service Status Information

The operator of this site and the services provided is not a lender, does not act as a broker, does not make loan offers, and does not make credit decisions. We do not represent specific lenders and do not control the lenders or partners within our network. Submitting information on this site constitutes a loan request, not a final application. We do not guarantee loan approval. Some lenders may request additional information or ask you to complete part of the process at a physical branch.

Your trusted partner in finding the right loan.

Additional Information

This website is a financial services comparison tool and does not act as a lender, broker, or financial institution. The use of this site is free of charge for the user. kredzo.co.za does not guarantee credit approval, as this decision depends solely on the financial institution granting the loan.

Important: Short-term loans offered by third-party organizations are designed to solve temporary financial problems and are not a long-term financial solution.

If you have issues with your credit history or debt, it is recommended to seek professional financial advice and carefully review the terms and conditions of any offer before accepting it.

Lenders, Lending Partners, Networks, and Other Market Participants

Consumer loan offers may be displayed to users who visit the site via Google or Bing advertisements. Final rates and terms depend on the specific financial institution.

This site connects users with third-party lenders, partners, and networks. The offer you receive may come from an advertiser or partner belonging to such a network.