Straight answers about credit, before you sign anything.

Who we are

Kredua is an independent website that explains credit cards, personal loans and everyday money topics in plain English. In the South African edition we look at products from the banks and registered credit providers that operate in the country, read the pricing guides, the qualifying criteria and the fee schedules they publish, and turn them into short reviews you can act on. We are not a bank, a credit provider or a credit broker. We do not issue cards, do not lend money, do not take applications and do not make credit decisions.

Every product page ends with a button to the bank’s official website. That is where the application happens, on the bank’s own terms, with its own security and its own affordability assessment under the National Credit Act. Kredua never asks for your ID number, your bank login, your card details or a payment of any kind.

What we do

We read the product page, the pricing guide and the terms each institution publishes and translate them into simple language: what the product offers, what it costs in each way of using it, who it suits and who it does not, with an honest opinion from the editorial team and a worked example in rands. When a figure is not public, we say so; when it changes, we update it and date the change.

We also publish money guides written for South Africa: how the interest-free days on a card really work, what the NCA lets a lender charge, how to draw your free credit report from TransUnion or Experian, or how large an emergency fund should be. And we offer free quizzes that, with three or four questions, point you toward the type of product that fits your situation.

How we make money

Reading Kredua is free and will stay free. To keep the site running we display advertising, and some of the institutions we review pay us a referral fee when you apply through a link on our pages. That compensation may influence which products we choose to cover and where they appear; it does not change what we say about them. Fees, rates and requirements come from the institution’s own disclosures, and the drawbacks are listed next to the advantages.

Kredua is an independent, free information and comparison website. We are not a credit provider, a bank or a loan broker; we do not take applications, make credit decisions or charge you anything to use the site. Loan terms are set by each credit provider. The personal loans described on Kredua have repayment periods from a minimum of 12 months to a maximum of 84 months and annual interest rates from about 12,5% up to the maximum permitted under the National Credit Act (the repo rate plus 21 percentage points, currently around 28% to 29% a year), plus an initiation fee of up to R1 207,50 and a monthly service fee of up to R69, depending on the lender and your credit profile. Representative example: a R30 000 personal loan repaid over 24 months at 20% a year has 24 monthly instalments of about R1 596 (including the R69 service fee) and a total cost of about R39 500, of which about R9 500 is interest and fees. Kredua does not promote loans with repayment periods of 60 days or less. We may receive compensation from some of the institutions whose products we describe; this never affects what we write.

How we review a product

We start from the official product page and the pricing guide, note the monthly and initiation fees, the interest rate or the published range, the interest-free period, the credit limit, the income requirement, the documents the bank asks for and how the application works. We add a numerical example so you can see what the product costs in rands, not just in percentages. Figures are dated in the text and rechecked when the bank updates them; if you spot something out of date, tell us and we will fix it.

Who operates Kredua

Kredua is operated by RR Digital, a company registered in Brazil (CNPJ ), Rua Balbino Bento da Silva, 02, União dos Palmares/AL, 57800-000, Brazil. Email: [email protected]. Privacy and data requests (Information Officer): [email protected].