Rating based on 4 reviews


  • Personal loans up to R250,000
  • Apply for a loan online
  • Flexible loan repayment terms

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Creditgenie homepage
Author Creditgenie. Screenshot of Creditgenie website.
[Accessed January 19, 2023]

About Creditgenie

Creditgenie has been in the business for just a few short years and has recruited a team of South Africa’s leading financial experts.

Their combined knowledge has made them invaluable to consumers and better able to help customers achieve their financial goals. They were originally created to help clients reach their maximum financial potential. They’ve not only achieved incredible growth but surpassed all their own expectations of what they thought they’d be.

By helping customers improve their credit scores and providing better personal loan options, they’ve filled a gap in the market.

What sets them apart from the rest

They believe, not only in delivering a better service than other finance companies but also in finding new ways to help people.

This all starts with the credit score of their client, and what they can do to improve it - unlocking new, more beneficial loan options as the score becomes more favourable. This is how their Financial Wellness Program can help you.

Their Financial Wellness Program

Their FWP is set out to take their clients to the next level in the process of achieving their financial health. Things like healthy credit scores and good financial decisions are what they aim to achieve with this program.

They assign a member of their expert finance team to help you, and they use their skills and know-how to not only improve your credit score but walk you through the process. However, their clients don’t need this service if they already qualify for their comprehensive loan options and can simply apply for credit on their platform.

Creditgenie Services

Creditgenie focuses on delivering personal loans and solid credit improvement services.

They do this by using their years of experience to help you understand your financial goals and achieve them. They have a range of loans that cater to every pocket and budget. For those that like to stay abreast of current issues, you’ll love their community blog page that will keep you up to date on trends in the finance market. You’ll get all this and more when you join the Creditgenie family.

Personal loans with Creditgenie

Getting a bad credit loan in today's market can be tough. With finicky rules about credit history, requirements to apply, and various other hindrances, it may seem like an impossible task.

They only need a few simple details from you when you apply. Then, some of South Africa’s top leaders will be available to you. Once you’ve applied, just wait to see what you’ve qualified for, and decide on an option that suits you. Then, it’s cash in your pocket!

Is that all it takes

If your credit history allows for it, yes! If it doesn’t, their FWP will ensure it will eventually. They offer the unique service of fixing your credit score and then opening otheir panel of lenders to you.

Creditgenie offers loan amounts between R5 000 and R150 000. These are the loan amounts their panel of lenders can offer their customers, but they can assist with larger loan amounts if required.

They even have a legal team that can give you free legal advice should you need it. All it takes is a few clicks, filling in some details on their easy-to-understand online loan application forms, and you’ll have access to their comprehensive services.

Creditgenie – Personal loan

  • Loan Type Personal loans
  • Loan Amount up to R250,000

Benefits of Creditgenie

  • Access to a panel of lenders
  • 24/7 legal aid
  • Improve your credit rating
  • See your credit rating

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Becoming a part of the Creditgenie family

Becoming a part of their family couldn’t be easier. Their entire application process takes place online and can be completed in a matter of minutes.

If you don’t need help improving your credit, simply complete their online loan application and they’ll present you with loan offers from their panel of lenders.

There are a few details they’ll need, so they can get to know you a little and understand your needs more clearly. Once they have these details, they can offer you a set of loan terms and amounts that are specially designed to cater to your needs. They’ll spare you the headache and stresses that are synonymous with trying to secure a loan for bad credit.

Let them help you get your finances in order

Creditgenie is a secure and trustworthy source of financial advice and assistance. Their dedication to their clients and the dedication of their employees show in everything they accomplish as a company.
Because of this, they maintain the effortlessness of their procedure for your benefit - just apply, qualify, and you’ll get a quick loan immediately. It’s that simple.

What Creditgenie asks of you in return

Creditgenie keeps its personal loan cost low - and they mean really low. Other brokerage companies and banks will offer you their services at outrageous monthly fees and usually in plans riddled with hidden costs - but, not them.

They have a completely transparent, no-frills procedure, and ask only a small once-off fee of R395 as a subscription cost, and then a monthly fee of R117.

This goes towards paying for your personal financial advisor and their efforts to improve your financial health. To find out if they can make your dreams come true, find Creditgenie online today and see what they can do for you.

Customer Reviews & Testimonials

June 2020

I always choose Creditgenie when I need a personal loan.

Bernard H
— Cape Town —

July 2020

Creditgenie helped me fix my credit score before they gave me a loan. Amazing.

Theresa Y
— Johannesburg —

July 2020

Without Creditgenie, I wouldn’t be as far ahead in my life as I am now.

Alexis C
— Port Elizabeth —

Creditgenie Contact

Physical Address

  • 27 Willie van Schoor Avenue Suite 302, Tygervalley Chambers 5, Bellville Cape Town Western Cape 7530 South Africa
  • Get Directions

Opening Hours

  • Monday 08:30 – 18:00
  • Tuesday 08:30 – 18:00
  • Wednesday 08:30 – 18:00
  • Thursday 08:30 – 18:00
  • Friday 08:30 – 18:00
  • Saturday – Closed
  • Sunday – Closed