Century (Creditza) Cash Loans in SA: Apply Online for Same Day Payout

Creditza (Century Cash Loans) 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.

Century Cash Loans 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

Does Creditza check credit score?

Yes. Creditza may check credit bureau information when assessing a loan request. The lender says it uses affordability checks and credit bureau checks in line with South African credit rules. This means your income, current obligations and repayment history can affect the decision. A low score may reduce approval chances, but it does not automatically mean rejection.

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

Is Creditza a legitimate company?

Creditza appears to operate through a registered South African credit provider, Century Financial Services (Pty) Ltd. The company lists registration number 2023/140135/07 and NCR number NCRCP20790. Before sending an application, borrowers should check this NCR number on the National Credit Regulator register and review the total repayment amount.