Century Financial Services — loans online in South Africa

Creditza is the digital lending platform operated by Century Financial Services (Pty) Ltd, a registered South African financial institution providing short-term personal loans online. 

The company holds company registration number 2023/140135/07 and is licensed under the National Credit Regulator (NCRCP20790), ensuring full compliance with South Africa's National Credit Act. Creditza merges cutting-edge technology with responsible lending practices to deliver secure, accessible credit solutions to South Africans without requiring collateral or physical office visits. The service operates under the mission of making short-term credit available to all through protected digital platforms.

Loan Terms:

• Loan Amont: from R500 to R8,000 with
• Repayment term: from 1 to 6 months
• Interest rate day: 0,16% new clients, 0,1% subsequent clients
• Initial fee: 16,5% of first R1,000 lent, 10% of loan amount over R1,000, +VAT.
• Limited 15% of loan amount, +VAT. 
• Service fee R69 month.

Requirements

• Be 18 years of age or older
• Cellphone number
• SA ID number
• Bank account details
• Latest 3 months bank statements (showing latest 3 salary deposits)

How it works

How to apply for the first loan with Century Financial Services

To apply for your first loan, you'll need to provide the following:

• Your South African ID number
• Cell phone number
• Email address
• Bank account details
• Employment information

Once submitted, our platform will guide you seamlessly through the rest of the process.

How to apply for another loan as a returning customer

If you've borrowed from us before, applying again is even simpler:

1. Click the "Log In" button and enter the mobile number you used during registration.
2. Verify your personal and banking details.
3. Confirm your income and monthly expenses
4. Choose your desired loan amount
5. Read the Pre-Agreement and Loan Agreemen
6. Click "I Accept" to confirm — the funds will then be processed and paid into your bank account

How to repay a loan

Your loan repayment will be processed automatically through the DebiCheck you authenticated on the due date specified in your Loan Agreement. The amount due will be debited from your bank account via a secure debit order, so there's no need for manual action unless otherwise arranged.

Note: If your payday falls on a Saturday, Sunday, or public holiday, the debit order will be processed on the business day prior to the weekend or public holiday.

How to repay before the due date

1. Click Log In on our website
2. Sign in using your registered mobile number and password
3. Select the "Early Settlement" option
4. The system will generate the settlement amount (valid for that day only)
5. Make payment via EFT or your preferred banking channel

How to repay an overdue loan

1. Log in using your mobile number and password
2. Select the "Settle Overdue Amount" option
3. View the updated outstanding balance, including any applicable fees
4. Make payment using your bank or preferred payment method