Creditomax is a free online loan-matching service. You choose an amount, fill in a single request and it passes it to partner loan providers, so you do not have to apply lender by lender. The page title speaks of loans up to R10 000, and repayment terms run from 61 days to a full year.
The requirements are short: be a South African resident aged 18 to 75, with an active South African bank account, an email address and a mobile phone. You get a response in less than 15 minutes, and once a lender approves you and you sign, the money can reach your account in less than 24 hours.
Creditomax publishes its cost range up front: an APR from 3.65% to 180%. Its example shows R500 over 61 days repaid as R583 in total, so you can judge the order of magnitude before you start.
What does Creditomax offer?
- Free service: Creditomax does not charge for using it
- Loans up to R10 000 with terms from 61 days to 365 days
- One request reaches several partner loan providers
- Published APR range: 3.65% to 180%
- Open to applicants aged 18 to 75
What are Creditomax’s loan terms?
| Type | Loan-matching service (connects you with lenders) |
|---|---|
| Amount | R 500 – R 10 000 The page title says up to R10 000; the amount selector on the form goes up to R15 000. The amount you are offered is set by the partner lender. |
| Term | 61 to 365 days Repayment term as stated on creditomax.co.za. |
| First loan | Charged from the first loan; the total cost is shown in your quote |
| Published cost range | APR from 3.65% to 180%, as published |
| Age | 18 to 75 |
| Cost of the service | Free: Creditomax does not charge you for using its service. |
How much does a loan through Creditomax cost?
To compare it with other options, look at the total cost of credit and the full amount to repay. When a lender makes you an offer through Creditomax, it must give you a pre-agreement quote with the interest rate, every fee and the total to repay before you sign. You can estimate the instalment with our loan calculator.
What do you need to apply with Creditomax?
- You live in South Africa
- An active South African bank account
- An email address
- A mobile phone
- Age: 18 to 75
How do you apply, step by step?
- Choose the amount on creditomax.co.za and fill in the request; you get a response in less than 15 minutes
- Verify your identity
- Review the offer from the partner lender and sign the agreement with that lender
- The money is transferred to your account; Creditomax says this takes less than 24 hours
Who is Creditomax a good fit for?
- You want to repay over several months, up to a year
- You would rather fill in one form than apply to several lenders
- You are over 65 and want a service that states an upper age of 75
- You want to see a cost example before you share your details
Before you sign, keep in mind
- Creditomax does not lend: the partner lender reviews your request, makes the offer and signs the contract with you.
- The page title and the amount selector show different maximums (R10 000 and R15 000); the lender decides the amount.
- Your details are shared with partner loan providers to find offers, as its privacy policy explains.
- Compare the total to repay in the lender’s quote, not only the APR range.
Who is behind Creditomax?
| Company | Creditomax OÜ |
|---|---|
| Registration | Estonian registration code 17026392 |
| Address | Endla tn 4, 10142 Tallinn, Estonia |
| Contact | contact@creditomax.co.za |
| Website | creditomax.co.za |
FinCredit360 has no ownership link with Creditomax OÜ. We show these details so you know who you are dealing with; they come from the provider’s own website.
Creditomax: frequently asked questions
Is Creditomax a lender?
No. Creditomax OÜ is a loan-matching service: it forwards your request to partner loan providers. The offer is subject to review by the lender and to signing a contract with it.
How much can I borrow through Creditomax?
The page title mentions loans up to R10 000, starting at R500, with repayment terms of 61 to 365 days. The final amount depends on the partner lender.
What does it cost?
Using Creditomax is free. Its published APR range is 3.65% to 180%; the example shows R500 over 61 days repaid as R583 in total.
Who can apply?
South African residents aged 18 to 75 with an active South African bank account, an email address and a mobile phone.
How fast is the answer?
Creditomax says you get a response in less than 15 minutes and, once a lender approves you, the money can be in your account in less than 24 hours.
What are the alternatives to Creditomax?
If you want to compare before deciding, these options cover similar needs. You will find all of them in our loan comparison.
Century (CreditZA)
Direct lender- Amount
- R 500 – R 8 000
- Term
- 5 days to 6 months
- First loan
- Standard cost
- Age
- 18 or older
A Cape Town direct lender: R500 to R8 000 from 5 days to 6 months, with every rate and fee published next to the calculator. Affiliate link · Century Financial Services (Pty) Ltd decides on approval after an affordability check.
FinPug
Loan-matching service- Amount
- R 500 – R 50 000
- Term
- 61 to 365 days
- First loan
- Lower-cost first-loan offers
- Age
- Set by the partner lender
A free showcase of loan offers from R500 to R50 000 over 61 to 365 days, including low-cost first loans for new customers. Affiliate link · FinPug does not lend: you sign the agreement with the lender you choose.
Jabulani Money
Direct lender- Amount
- R 500 – R 4 000
- Term
- Matched to your payday
- First loan
- Standard cost
- Age
- 18 or older
A registered South African payday lender: R500 to R4 000, repaid on your salary date, with a decision in minutes. Affiliate link · Clearwave Innovations (Pty) Ltd, trading as Jabulani Money decides on approval after an affordability check.
Sources
Affiliate links: if you apply through “See offer” or “Apply”, FinCredit360 may earn a commission from Creditomax, at no cost to you. It does not change the facts we show. How we make money.