Apply for a Personal Loan in South Africa
Get your personalized loan offers in 3 simple steps
How Credizen Works
1. Tell Us What You Need
Share your loan requirements - amount, purpose and personal details. It takes less than 2 minutes and won't affect your credit score.
2. Compare Your Options
Our AI matches you with the best lenders from our network of NCR-registered financial institutions. Compare interest rates, terms and approval speed.
3. Apply and Get Your Money
Apply directly with your chosen lender through our secure platform. Many lenders offer same-day approval and instant bank transfers.
Get Your Personalised Loan Quote
Complete the form below to compare offers from South Africa's leading lenders
Your Information is Secure
We comply with the Protection of Personal Information Act 4 of 2013
Your personal information is protected under POPIA
What Happens After You Apply?
Instant AI Matching (30 seconds)
Our AI analyzes your profile and matches you with the best lenders from our network of NCR-registered financial institutions.
Review Your Options (5 minutes)
Compare interest rates, monthly payments, and terms. See which lenders are most likely to approve your application.
Apply with Your Chosen Lender (10 minutes)
Click through to your preferred lender and complete their application. Your information is pre-filled to save time.
Get Your Funds (Same Day to 48 Hours)
Once approved, funds are transferred directly to your bank account. Many lenders offer same-day payouts.
Frequently Asked Questions
Is it free to use Credizen?
Yes, completely free. We earn a commission from lenders when you successfully get a loan, but this doesn't cost you anything extra. The interest rate you see is the same as if you went directly to the lender.
Will applying affect my credit score?
No. Comparing loans on Credizen doesn't affect your credit score. Only when you apply directly with a lender (after choosing one from our recommendations) will they perform a credit check.
How long does approval take?
Most lenders provide a decision within 15 minutes to 24 hours. If you have all required documents ready (ID, proof of income, bank statements), approval can be almost instant.
What documents do I need?
Typically: South African ID or passport, latest payslip or proof of income, 3 months' bank statements, and proof of residence. Some lenders may require additional documents.
Can I get a loan with bad credit?
Yes, many lenders on our platform work with applicants who have poor credit history. However, you may face higher interest rates or lower loan amounts. We'll show you which lenders are most likely to approve your application.
Are all lenders NCR registered?
Yes, 100%. We only work with lenders registered with the National Credit Regulator (NCR). This ensures they comply with the National Credit Act and follow responsible lending practices.
Borrow responsibly - ensure you can afford repayments
Credit providers are required by law to ensure you can afford the loan before granting credit
We promote responsible lending practices. Borrow only what you can afford to repay.