Crezu promises loans "online in just 15 minutes," matching you with offers from a panel of NCR-licensed lenders for amounts between R500 and R350,000, over terms of 6 to 72 months, at an advertised APR of 12% to 36%. Like Creditum and SecureFinance, it is not a lender itself; it's an intermediary that forwards your application to partner credit providers and shows you which ones respond.
The 15-minute figure refers to the whole funnel Crezu controls: roughly 2 minutes to fill in the form, offers back within about 2 minutes, and an approval decision in "up to 7 minutes" once you pick a lender. What happens after that – the actual bank transfer – is down to the lender, not Crezu, so treat the 15-minute claim as describing the application experience rather than a guaranteed payout time.
What will a Crezu loan actually cost?
Crezu publishes a representative example on its own site: R30,000 over 6 months at a 12% APR comes to R1,800 in interest, for a total repayable of R31,800. A separate example shows R100,000 at 12% totalling R106,000 to repay. Both are best-case figures. At the top of Crezu's advertised range – 36% APR – the same R30,000 loan would cost substantially more, and Crezu doesn't publish that worked example, so there's no official number to quote for it here.
| Figure | Crezu's stated range |
|---|---|
| Loan amount | R500 – R350,000 |
| Term | 6 – 72 months |
| APR | 12% – 36% (set by the matched lender) |
| Service fee | Free – Crezu says it charges no service fees |
What do you need to apply?
Crezu's own eligibility list is short: internet access, a South African ID, a bank account, and a phone number. It doesn't publish a minimum age or income threshold on its homepage, which is thinner than what Creditum and SecureFinance disclose; both of those name an 18+ age requirement explicitly, so it's reasonable to assume Crezu applies something similar even though it isn't stated outright.
Crezu describes itself as a brand of Fininity OÜ, a company registered in Estonia (Paadi tee 3, Haabneeme). It states it is "not a financial institution, bank, or lender," doesn't control the lenders' decisions or rates, and says using the comparison carries no credit score impact.
How aggressive are Crezu's marketing numbers?
More than most comparison sites in this category. Crezu advertises "up to 95% approval rate," "1.5M+ users," 45 partner lenders and service in 16 countries. Those are Crezu's own figures, not independently verified by this site, and a 95% approval claim should be read as a ceiling for an idealised applicant, not a typical outcome – no comparison platform can promise approval, since every lender still runs its own credit and affordability check after the referral.
Crezu vs. Creditum vs. SecureFinance
- Rate ceiling: Crezu's 36% maximum APR is the highest of the three; Creditum tops out at 28% and SecureFinance at 27.5%. If your credit profile is likely to land you at the expensive end of the range, that matters more than the headline "from 12%."
- Loan size: Crezu's R350,000 ceiling matches SecureFinance but sits below Creditum's R500,000.
- Minimum term: Crezu's 6-month floor is longer than SecureFinance's 3-month minimum, so it's not the right pick for a loan you want to clear in under half a year.
- Speed messaging: Crezu is the only one of the three that puts a specific end-to-end time – 15 minutes – on the whole process, including funds, rather than just the application step.
Who is Crezu a good fit for?
Crezu suits someone who wants the fastest-sounding path from application to a lender decision and is comfortable with a 6-month minimum term. It's a weaker choice if your profile is likely to sit near the top of its rate range, since 36% APR is meaningfully more expensive than the ceilings advertised by Creditum or SecureFinance for the same risk tier. It's also not the pick if you specifically need a loan under R500 or a term shorter than 6 months.
Frequently asked questions
Is the 15-minute payout guaranteed?
No. The 15 minutes covers the Crezu-controlled steps: application, matching and lender decision. The actual transfer into your bank account depends on the lender you choose and your own bank's processing time.
Does Crezu charge anything?
Crezu states its comparison service is free and that it does not charge service fees. Any interest, initiation fee or monthly fee in an offer comes from the lender that approves the loan, not from Crezu.
Can comparing on Crezu hurt my credit record?
Crezu says the comparison step carries no credit score impact. A full credit check would only apply once you accept a specific lender's offer.