Terms and Conditions of Use

Last updated: September 19, 2026.

These Terms and Conditions of Use (“Terms”) govern your access to and use of the South African pages of the Kredua website located under /za/ and the posts whose address begins with “za-” (the “Site”), operated by RR Digital (trading as Kredua), a company registered in Brazil under CNPJ , with its registered address at Rua Balbino Bento da Silva, 02, União dos Palmares/AL, 57800-000, Brazil (“Kredua”, “we”, “us”). By using the Site you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.

1. What Kredua is, and is not

Kredua is an information and comparison website about credit cards, personal loans and personal finance. We are not a bank, a credit provider, a credit bureau, a debt counsellor or a financial services provider. We are not registered with the National Credit Regulator or the Financial Sector Conduct Authority because we do not perform any activity that requires registration: we do not grant credit, do not take or process applications, do not make credit decisions, do not give financial advice as defined in the Financial Advisory and Intermediary Services Act, and do not charge you for anything.

The content describes conditions that institutions publish on their own websites at the time of writing (amounts, terms, rates, fees, requirements). Those conditions can change without notice. The binding information is the pre-agreement statement and quotation that a credit provider must give you under section 92 of the National Credit Act 34 of 2005 and the credit agreement you sign with it.

Nothing on the Site is personalised financial, legal or tax advice. The opinions of the editorial team are general and do not take your circumstances into account. Before taking any product, check the conditions with the institution and, if needed, consult a registered financial adviser or a registered debt counsellor.

2. Eligibility

The Site is intended for people aged 18 or older who are resident in South Africa. By subscribing to our emails or completing a quiz you confirm that you are at least 18.

3. Quizzes and recommendations

The quizzes on the Site point you toward a type of product or a specific review based on your answers. The result is a content recommendation, not an offer, a pre-approval, a quotation or a guarantee of credit. We do not access any credit bureau and do not assess your affordability. Any application is made on the institution’s website, which evaluates and decides freely under the National Credit Act.

4. Loan and advertising disclosures

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 the Site 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.

Some links on the Site are affiliate links: if you take a product after following them, the institution may pay us a commission. This does not change the price you pay and does not influence the content of the reviews. We also display advertising served by Google and other networks.

5. Third-party websites

The Site links to websites operated by banks, credit providers and other third parties. We do not control them and are not responsible for their content, availability, security or privacy practices. Your relationship with any institution is governed by that institution’s terms.

6. Acceptable use

You may use the Site for lawful, personal and non-commercial purposes. You may not: copy, scrape or republish the content without permission; use automated tools to access the Site in a way that burdens it; attempt to bypass its security; submit false information in the quizzes or forms; or use the Site to send unsolicited communications or to commit fraud.

7. Intellectual property

The texts, images, illustrations, layout and the Kredua name and logo are the property of RR Digital or its licensors and are protected by the Copyright Act 98 of 1978, the Trade Marks Act 194 of 1993 and international treaties. Bank names, product names and logos belong to their respective owners and are used only to identify the products described. You may share a link to a page and quote short extracts with attribution; any other use requires our written consent.

8. Accuracy and availability

We work to keep the information accurate and current, but fees, rates and requirements change and errors can occur. The Site is provided “as is” and “as available”. We do not warrant that it is error-free, uninterrupted or free of harmful components, and we may change, suspend or discontinue any part of it at any time.

9. Limitation of liability

To the extent permitted by law, and without limiting any right you have under the Consumer Protection Act 68 of 2008 that cannot be excluded, Kredua is not liable for any loss or damage arising from your use of the Site or of any product you take from a third party, including loss caused by information that was out of date, by a decision of a credit provider, or by the unavailability of the Site. Where liability cannot be excluded, it is limited to R1 000.

10. Emails and unsubscribing

If you subscribe, we send emails with product recommendations and money guides. Every email contains an unsubscribe link; removal takes effect within 24 hours. We never ask for payments, passwords or one-time PINs by email. See the Privacy Policy for details.

11. Complaints

Complaints about the Site or its content: [email protected]. Complaints about a credit provider: the provider’s own complaints channel first, then the National Credit Regulator (ncr.org.za), the National Financial Ombud Scheme for banking complaints, or the Credit Ombud for credit bureau matters. Complaints about personal information: our Information Officer at [email protected], then the Information Regulator.

12. Changes to these Terms

We may update these Terms. The date at the top shows the current version; continued use of the Site after a change means you accept the updated Terms.

13. Governing law

These Terms are governed by the laws of Brazil, where Kredua is established, without prejudice to any mandatory protection you enjoy as a consumer resident in South Africa under the Consumer Protection Act, POPIA or the ECT Act, which is not affected by this clause. Any dispute will first be addressed through our contact channels; if unresolved, the competent courts will have jurisdiction.

14. Contact

RR Digital (Kredua), CNPJ , Rua Balbino Bento da Silva, 02, União dos Palmares/AL, 57800-000, Brazil. Email: [email protected].

Last updated: 19/09/2026