CREDISAFE
Welcome to CrediSafe
Responsible short-term lending powered by payroll deduction. NCR-registered and fully compliant with the National Credit Act.
NCA Compliant
Fully registered with the NCR. Every loan follows responsible lending practices.
No Hidden Fees
All costs disclosed upfront. What you see is what you pay.
Fast Approval
Same-day decisions with funds transferred directly to your bank account.
CrediSafe (Pty) Ltd is a registered credit provider committed to responsible and transparent lending. We specialise in short-term credit products secured by payroll deduction, serving employees of approved employers across South Africa.
Our mission is to provide accessible credit while protecting consumers from over-indebtedness. Every loan we issue undergoes a thorough affordability assessment in line with the National Credit Act and Regulation 23A requirements.
As an NCR-registered credit provider, we adhere to the highest standards of regulatory compliance, ensuring fair treatment and full disclosure at every stage of the lending process.
Fair Lending
We never grant reckless credit. Every application is assessed thoroughly to protect our customers from over-indebtedness.
Full Transparency
No hidden fees or surprise charges. We disclose all costs upfront in plain, understandable language.
Customer First
Your financial wellbeing comes first. We offer early settlement without penalty and honour the cooling-off period.
CrediSafe Starter
- ✓ First-time borrowers
- ✓ Repayment up to 6 months
- ✓ Payroll deduction
- ✓ Credit life insurance
- ✓ No hidden fees
CrediSafe Standard
- ✓ Existing customers welcome
- ✓ Repayment up to 6 months
- ✓ Payroll deduction
- ✓ Credit life insurance
- ✓ Early settlement no penalty
CrediSafe Premium
- ✓ Good credit history required
- ✓ Repayment up to 6 months
- ✓ Payroll deduction
- ✓ Credit life insurance
- ✓ Priority processing
Interest Rate
5% per month (60% per annum) - the NCA maximum for short-term credit.
Service Fee
R60 per month - the NCA prescribed maximum for short-term agreements.
Credit Life Insurance
Mandatory cover for death, disability, and retrenchment included on every loan.
Cooling-Off Period
Cancel within 5 business days with no penalty - your right under the NCA.
Apply
Complete a loan application online or visit our office. You will need your ID, latest payslip, 3 months bank statements, and proof of residence. We check basic eligibility criteria upfront.
10 minutesVerification and Credit Check
We verify your identity through Home Affairs, confirm your employment with your employer, and obtain your credit report from a registered bureau. Your credit score is checked against our tier requirements.
Same dayAffordability Assessment
In line with Section 81 of the NCA and Regulation 23A, we calculate your discretionary income after statutory deductions, existing debts, and necessary living expenses. This ensures you can comfortably afford the repayments.
Included in assessmentApproval and Disclosure
If approved, you receive a Pre-Agreement Statement showing the full cost of credit - interest, fees, insurance, and total repayment amount. No surprises. You have 5 business days to consider the quotation.
Same day decisionSign and Receive Funds
Once you accept, sign the credit agreement and payroll deduction authority. Funds are transferred directly to your bank account via EFT. Repayments are deducted automatically from your salary each month.
Same day / next business dayReady to Get Started?
Apply today and get a decision within hours.
Office
80 Greenvale Rd, Bedfordview,
Germiston, Gauteng, 1401
support@credisafe.co.za
Phone
061 454 4537
Hours
Mon - Fri: 08:00 - 17:00