Rating based on 12 reviews


  • Quick loans up to R150,000
  • Quick loan approval
  • Affordable loan terms

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Author Creditgenie. Screenshot of Creditgenie website.
[Accessed January 23, 2023]

About Creditgenie

Applying for a quick loan online can be an uncomfortable process when you have bad credit or are applying for the first time.

Most loan applications require personal information and no guarantee of your data remaining private. Creditgenie offers the perfect solutions for both of these common problems. As an online broker they have 9 years of experience assisting their members to apply for the loan they need.

Creditgenie processes an average of 300,000 applications a year and have built up a panel of lenders who are trustworthy and open to applicants - regardless of who they are, where they come from or what they’re looking for.

Through Creditgenie, your loan application will reach lenders like Capitec and Nedbank to name but a few. By becoming a member you will have access to trusted lenders, legal assistance as well as expert financial advice. All that for a once of R395 and 117 per month thereafter.

Have a bad credit record

Most lenders will not extend credit to you if you have a bad credit record. Lenders who will consider your application will charge you a higher interest rate and give you stricter repayment terms.

The Annual Percentage Rate or APR is between 20% and 112% and if you have a bad credit record you’ll probably be charged a higher percentage.

Credit Genie can help you. They understand the pitfalls of debt and have structured their company specifically to help you recover from bad debt. By becoming a member you’ll have access to their “Financial Wellness Program”.

Once you’ve repaired your credit rating it’s on to the next step! As a member your loan application is complimentary.

On the Credit Genies website, you can apply for the fast loan you need by filling out the user-friendly application form. From there Credit Genie processes your information and finds the lender and terms that best suit your profile.

Creditgenie Services

Access to quick loans isn’t the only service Credit Genie has to offer you.

Services that come with your membership:

Legal ID Assist

This service consists of two major parts:

Legal assistance - Any legal issue that crops up can be dealt with by Credit Genies' legal team. They will assist you with anything from your last will and testament to a divorce kit. As part of this service, the first half-hour with the lawyer has covered as well as a letter or phone call.

ID Assist - Anyone who has lost or had their wallet stolen will appreciate this feature. Creditgenie helps you through the painful process of deactivating and reapplying for cards and provides you with the crucial information you need to prevent identity theft.

Financial Wellness Program

Greditgenie’s Financial Wellness Program assists South Africans who are over-indebted or need help to secure a quick loan. They do this through three services that will help you get your finances under control.

Impartial financial counseling: A counselor will call you and help you work on developing a budget and properly managing your income and expenses.

Debt management: You’ll get the chance to take your debt into your own hands and improve your financial position by setting financial goals and making changes to the way you spend your money. If you choose this option you will receive support from a counselor and can also elect to have your debts consolidated.

Debt review: This is a legal process that will protect you from your creditors. An NCR accredited counselor will help you review your debt and contact your creditors to help you arrange more favorable repayment rates and terms. This will free up income so you’ll have enough to live comfortably while you repay your debts. While under debt review you will not be able to take out any further credit.

Creditgenie – Quick loan

  • Loan Type Quick loans
  • Loan Amount up to R150,000

Benefits of Creditgenie

  • Save up to 50% on repayments
  • 24/7 legal aid
  • Access to a panel of lenders
  • Repair your credit score with our service

Quick loan calculator

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

Access competitive loans and credit services

If you have a poor credit history or have recently been denied credit from a bank, Creditgenie can help you.

They have a panel of lenders that offer bad credit loans at their disposal and can quickly help you find the most suitable options.

This finance brokering service is referred to as Loan Assist and was designed to help you access the best loan options without having to complete multiple loan applications.

Borrow up to R150,000

If you need a loan of up to R150,000 and to have a poor credit history or have been declined in the past, Creditgenie’s services were created especially for you.

Their online loan application will only take a few minutes to complete and will be processed automatically. Once your credit check is performed and your loan eligibility established, you’ll be matched up with lenders and personal loans for bad credit in just seconds.

Optional free services

During this process, you may also want to opt into some of their optional free services including finding out if you qualify for a Cell C contract or getting an obligation-free grocery insurance quote.

All Creditgenie’s services are designed to help you access the best quick loans on the market and save money. These savings can be used to pay off other debt, buy groceries, and simply live a little more comfortably.

Customer Reviews & Testimonials

July 2020

Credit Genie came through for me when I couldn’t get a loan. And now I have a good credit rating again!

John B
— Vryburg —

February 2020

I got my loan through Credit Genie. I’m a member for life!

Bennett K
— Bellville —

August 2020

Credit Genie helped with my divorce and got me a quick loan so I could move out. You guys Rock!

Glen S
— Noordhoek —

Creditgenie Contact

Contact Number


  • not available


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 – 17:00
  • Saturday – Closed
  • Sunday – Closed