Your money, easy and online

You fill in a single online form with your basic details — age, income and the amount you need. The process is 100% digital and you get a fast response, with no paperwork and no travelling.

You fill in a single search form and we connect you with lenders, hassle-free. CreditGenius does not grant the loan; the final agreement is completed on the lender's website — and for you it's a single, convenient digital journey.

The amount available depends on the product and your profile. You enter how much you need in the form and receive a response with the specific terms available for your case.

Filling in the form takes only a few minutes and you get a fast response, with no waiting. If everything fits and you sign the agreement, the money is paid into your account quickly.

All you need is: to be over 18, a South African ID number or passport, a mobile number and a bank account in your name. No payslip or surety is required for most small loans.

Absolutely. We use 256-bit SSL encryption, the same as the banks. We comply strictly with POPIA and never sell your data to third parties.

Yes, you can settle early without penalty. In fact, this can reduce the total interest, depending on the terms set out in your agreement.

Your application is assessed on your overall situation, not one line on a credit report — an adverse listing on its own doesn't automatically rule you out. If you're currently under debt review, please note South African law doesn't allow you to take on new credit until that process is formally concluded — in practice, that usually means once the restructured debt is fully repaid, not simply once your counsellor signs off.