#8
Rank
7.4/10
Our Score
How we rate
Each lender is scored out of 10 across five weighted factors: customer reviews (35%), loan terms & cost (25%), transparency (15%), NCR registration (15%), and customer support (10%). We are independent and never accept payment for higher rankings. Read full methodology →
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Loan Conditions
Amount
R500 – R8 000
Term
5 days – 6 months
Interest Rate
from 0.10% per day
First Loan Free
No
Minimal Age
18+
Century / CredItza Loan Calculator
Monthly Payment
R2 000
Total Repayment
R8 002
Total Interest
R2
Estimate for Century / CredItza. Actual amounts may differ based on fees and your credit profile.
Top Loans from Our Experts
Pros & Cons
Advantages
- ✓ Loan terms up to 180 days give you more breathing room than typical 30-day payday lenders
- ✓ The starting loan of R500 is genuinely useful for small shortfalls without borrowing more than you need
- ✓ Online application process is straightforward and doesn't require a branch visit
- ✓ Rated 7.3 out of 10 in our analysis, placing them in the top 25% of lenders we've reviewed
- ✓ The advertised interest rate of 0.1% per annum is exceptionally low on paper
Disadvantages
- ✗ No first-loan-free offer, which several competitors do provide to new customers
- ✗ We have collected zero customer reviews for CredItza so far, meaning there's no real-world feedback to draw on yet
- ✗ No Trust Score available, which makes it harder to gauge borrower satisfaction independently
- ✗ The 0.1% per annum rate needs scrutiny, because fees and initiation costs can substantially change the true cost of borrowing
About Century / CredItza
If you need R2,000 by Friday and don't want to sit in a branch queue, Century / CredItza is the kind of online lender worth knowing about. They operate under the CredItza brand and focus on short-term personal loans, covering amounts from R500 up to R8,000 with repayment terms stretching from as short as five days to a more manageable 180 days. That flexibility in terms is actually one of the better features here.
They're aimed at employed South Africans who need a quick cash fix, not a long-term credit facility. Think emergency car repair, a missed bill, a gap between paydays. Not a holiday. Not a new TV.
We scored Century / CredItza 7.3 out of 10, placing them at number 9 out of 37 lenders we've rated. Solid, but not the standout option in this space.
How Does Century / CredItza Work?
1. Go to creditza.co.za and choose your loan amount between R500 and R8,000, then pick a repayment term that suits you, anywhere from 5 days to 180 days.
2. Fill in the online application with your personal details, employment info, and banking details. This takes most people under 10 minutes.
3. Submit your supporting documents, including recent bank statements and proof of income, directly through the platform.
4. CredItza reviews your application and runs a credit and affordability check as required under the National Credit Act.
5. If approved, funds are transferred to your bank account, typically within one business day, sometimes faster depending on your bank.
How to Apply for a Century / CredItza Loan
Visit the CredItza website at https://creditza.co.za and click on the apply or get a loan button to start your application.
Select your desired loan amount between R500 and R8000, and choose a repayment term that suits you, ranging from 5 to 180 days.
Fill in your personal details, including your full name, South African ID number, contact information, and residential address.
Provide your banking details and upload or submit your required documents, which typically include a recent bank statement, proof of income, and a copy of your ID.
Submit your application and wait for a credit assessment. CredItza will evaluate your affordability in line with NCA requirements.
If approved, review and accept your loan agreement carefully, making sure you understand the repayment terms and total cost of credit.
Once you have signed the agreement, the funds will be transferred to your nominated bank account, usually within a few hours or by the next business day.
Processing Time & Payout
Century / CredItza is an online short-term lender, so applications are processed digitally and approvals can typically come through within a few hours on business days. Once approved, funds are usually transferred to your bank account within 24 hours, though same-day payouts are possible if your application is submitted and verified early in the day. Processing times may be longer over weekends or public holidays.
Fees & Charges
Requirements
- Must be 18 years or older with a valid South African ID
- Proof of regular income, payslip or bank-confirmed salary deposit
- 3 months of bank statements showing your salary credits
- An active South African bank account in your own name
- Proof of residential address, not older than 3 months
- A working cell phone number and email address for communication
- Must pass an affordability assessment as required by the NCA
Who Is Century / CredItza Best For?
CredItza works best for salaried employees who have a genuine short-term cash shortfall and can repay within a few weeks to a few months. If you earn a regular income, have a bank account, and need somewhere between R500 and R8,000 without a lengthy approval process, this lender fits that profile well. It's not built for the self-employed or anyone with an irregular income pattern.
Is Century / CredItza Safe & Legit?
CredItza operates as a registered credit provider under the National Credit Act, which means they're required to run proper affordability checks and cannot lend you more than you can reasonably repay. The NCA also gives you the right to apply for debt counselling if you find yourself over-committed. We'd always recommend confirming their NCR registration number on the NCR's public register at ncr.org.za before you sign anything. That applies to any lender, not just this one.
Registered Credit Provider (NCR)
Where to Find Century / CredItza
Century / CredItza operates entirely online through their website at https://creditza.co.za, meaning you can apply from anywhere in South Africa without visiting a physical branch. As long as you have a valid South African ID, an active bank account, and internet access, you can complete the full application process from home.
Our Full Review
Let's start with that interest rate, because 0.1% per annum sounds almost too good to be true. And here's the thing, in isolation, it is. Short-term lenders in South Africa are regulated by the NCA, which caps interest rates but also allows for initiation fees and monthly service fees. The declared annual interest rate is only one piece of what you'll actually pay. On a R5,000 loan over 30 days, a lender charging 0.1% annual interest plus the maximum allowed initiation fee of around R1,050 and a R60 monthly service fee could still cost you considerably more than that headline rate suggests. Always ask for the total cost of credit before you sign.
So where does CredItza actually stand? Their range of R500 to R8,000 is reasonable for a short-term lender. The maximum loan isn't going to solve a major financial crisis, but it's enough to cover a car service, a vet bill, or a month's rent shortfall. The term flexibility is genuinely useful. Five days to 180 days means you can match the loan to your next payday rather than being locked into a 30-day cycle that might not suit your budget.
Is there anything we don't like? The lack of customer reviews is a real gap. We can analyse the product on paper, but we can't tell you what the experience is actually like when something goes wrong, or how responsive their support team is. That matters. A lot.
Applications are handled online through their website. The process looks clean and isn't overly complicated. Payout speed appears to be within one business day for approved applications, which is in line with most digital lenders in this category.
Our verdict: CredItza is a legitimate option for a straightforward short-term loan. Not the cheapest, not the fastest, but competent. We'd score them 7.3 out of 10 and suggest you compare the total repayment amount carefully before committing.
Contact Century / CredItza
Frequently Asked Questions
How much can I borrow from Century / CredItza?
You can borrow between R500 and R8,000. The amount you're actually approved for will depend on your income and the affordability assessment they're required to run under the National Credit Act.
What interest rate does Century / CredItza charge?
The advertised rate is 0.1% per annum, which is very low on paper. But short-term loans in South Africa also carry initiation fees and monthly service fees, so you need to look at the total cost of credit, not just the interest rate, to understand what you'll actually pay back.
How fast does Century / CredItza pay out?
Based on what we know about their process, approved loans are typically paid out within one business day. Same-day payment is possible in some cases depending on when you apply and which bank you use.
Is Century / CredItza registered with the NCR?
They operate as a registered credit provider under the National Credit Act. We always recommend verifying any lender's NCR registration directly on the NCR's public register at ncr.org.za before you apply.
Can I get a Century / CredItza loan with bad credit?
It's possible, but not guaranteed. Like all NCA-compliant lenders, CredItza is required to run an affordability check, and your credit profile will be part of that assessment. A poor credit history doesn't automatically disqualify you, but it does affect your chances and the amount you might be offered.
What documents do I need?
You'll need your South African ID, your three most recent bank statements, proof of income such as a payslip, proof of address, and a working cell number and email address. Having these ready before you start the application will speed things up.
What exactly is CredItza and who is behind it?
CredItza is a South African short-term loan provider operating under the Century brand, offering loans ranging from R500 to R8000. The lender operates online and is required to be registered with the National Credit Regulator (NCR) to legally offer credit in South Africa. You can verify any lender's NCR registration on the NCR's official website before applying.
Is CredItza a legitimate and safe lender?
CredItza is an online lender that operates in the South African credit market and is subject to the National Credit Act, which protects consumers by regulating fees, interest rates, and responsible lending practices. Before taking out any loan, it is always a good idea to confirm the lender's NCR registration number, which should be displayed on their website. Reading through the loan agreement carefully before signing is also strongly recommended.
How do I repay my CredItza loan?
CredItza loans are typically repaid via a debit order from your nominated bank account on your agreed repayment date or dates. Your repayment schedule will be clearly set out in your loan agreement when you accept the offer. If you anticipate any difficulty making a payment, it is best to contact CredItza as early as possible to discuss your options.
Can I apply for a CredItza loan if I am blacklisted?
CredItza, like all NCR-registered lenders, is required by the National Credit Act to conduct an affordability assessment before approving any loan, which includes checking your credit history. Having a poor credit record does not automatically disqualify you, but it may affect the outcome of your application or the loan amount offered. It is worth applying to find out your eligibility, but be cautious of any lender that guarantees approval regardless of credit history.
What happens if I want to settle my CredItza loan early?
Under the National Credit Act, South African consumers have the right to settle their loan early at any time, and lenders cannot charge a penalty for doing so beyond what the NCA permits. Settling early can reduce the total interest you pay, making it a financially smart option if you have the funds available. You should contact CredItza directly through their website to request an early settlement quote.