Responsible lending
Borrowing can be useful in emergencies, but it must be planned. Use these checks before applying.
Last updated: 13 January 2026
A simple checklist
- Know the total repayment amount, not only the monthly rate.
- Set a conservative repayment limit (e.g., keep repayments well below your net monthly income).
- Avoid rolling over short-term loans—extensions can increase total cost materially.
- Compare alternatives: savings, family support, employer advances, or installment plans.
Important note
Credizen is not a lender. We provide informational comparisons and structured summaries to support decision-making. Always review the provider’s contractual documents before signing.