Rating based on 11 reviews


  • Short-term loans up to R150,000
  • 24/7 legal aid
  • Repair your credit score

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Author CreditGenie. Screenshot of CreditGenie website.
[Accessed December 8, 2022]

About CreditGenie

CreditGenie is a South African finance company that has been operating for several years.

They’ve been delivering magical services to clients. With several options from instant and quick loans to short and long term-loans, CreditGenie can give any pocket what it needs, at rates that are far more affordable than those offered by larger lending institutions. This is because at the core of their company ideals is the well-being of customers.

They believe in our customers, and prove this by delivering

CreditGenie genuinely cares about their clients, and this can be seen by the way in which they operate.

They have financial advisors assigned to every client, a system that rapidly processes requests and online loan applications at maximum efficiency, and a team of staff that is at your disposal 24 hours a day, 7 days a week, and 365 days a year.

Helping customers flourish

CreditGenie’s services have proven useful to customers since their inception, and they’re proud of what they’ve built for clients over the years.

They can also help you improve your credit score, and save on up to 50% of your debt repayments.

They even provide free, professional advice when it comes to finance and legal matters. Before you know it you’ll be onto the next step of your financial evolution.

The Financial Wellness Programme

CreditGenie’s Financial Wellness Programme was set in place to help clients grow their financial health. This financial health refers to improving credit scores and overall financial wellbeing.

CreditGenie Services

When a client signs up with CreditGenie, they’ll be assigned to one of their professional finance experts.

For the purpose of not only helping you understand your financial situation and its repercussions better but to bring about more positive financial circumstances. Their financial experts get to work on your case by first using the monthly fee you pay to better your credit score.

While you use their service, your credit health actually improves, meaning over time you’ll become eligible for better and better short-term loans, all of which can help boost your credit score even more.

Your finance expert will keep you abreast of all changes and happenings, making sure you understand what is happening each and every step of the way.

What happens when your credit score is stronger?

Once your credit score is healthy and strong, and you are finally eligible for credit, you can apply for CreditGenie’s range of personal and bad credit loans.

The loans they specialise in are short-term, and they’re proud to offer them at incredibly low, incredibly competitive rates.

In addition to instant online loans, you may qualify for the help of a different sort, which comes in the form of a cost-cutting tool that can save you money on your grocery and pharmacy trips every month.

Now, for the nitty-gritty: the loans

This all sounds good, right? But, you’re probably asking, “What kind of loan can I expect from CreditGenie?” You can expect an instant cash loan that comes with rates and terms tailored to your particular profile and needs.

CreditGenie – Short-term loan

  • Loan Type Short-term loans
  • Loan Amount up to R150,000

Benefits of CreditGenie

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

Short-term loan calculator

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

A expert financial team ready to assist

CreditGenies’s loan options vary from pocket to pocket and budget to budget.

Their expert financial team can and will set you up with the perfect loan. Each of their loans is tailor-made for each client, meaning they really try to personalise your experience.

Why their loans stand out from the rest

Their short-term loans can be accessed easily, with an online application that is fool-proof, absolutely no troublesome paperwork, and fast results. You just have to apply, qualify, and pick the loan that suits you, which can range from as little as R1500 to as much as R150, 000.

These amounts can be taken over a repayment period that suits you. With these sorts of options available, they really stand out among competitors, proving themselves to be the most useful and innovative in an already innovative online loan market.

What they need from you to get the ball rolling

Just like any regular lender or lending institution, they have a few requirements to determine how they’ll be going about the lending process. Initially, they’ll require the following from you to get things started:

  • Proof of residence
  • A statement from your bank of the last 3 months
  • A valid and proper RSA ID
  • Your most recent payslip

With these four documents, CreditGenie will begin the process of assigning you a financial advisor, who will determine what loan you qualify for. This process will take place after their Financial Wellness Programme is complete, if that is necessary.

If not, your advisor will walk you through all the pros and cons of the personal loans and which one will suit you best, guaranteeing you complete peace of mind.

All you have to do is apply by completing an online loan application today, and find out what kind of magic CreditGenie can do for you.

Customer Reviews & Testimonials

August 2019

I could not get a loan with my bad credit history. I used Credit Genies services, improved my credit score, and applied for an affordable loan.

Bernard T
— Greenpoint —

January 2020

Credit Genie has affordable loan options

Werner D
— Pretoria —

CreditGenie Contact

Physical Address

  • 27 Willie van Schoor Avenue Suite 302, Tygervalley Chambers 5, Bellville Cape Town 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