Creditum review

3.5Matching service · not a lender

Arcadia's twin from a Finnish publisher, on the same Myloan panel, with the same clear example.

A Finnish-published comparison tool that sends one application to the Myloan.co.za panel of banks and lenders, R500 to R350 000 over 6 to 72 months, with a representative example and the operator named in its footer.

Who it suits: A borrower looking at a personal or consolidation loan who wants bank and non-bank offers side by side.

What a matching service is

Creditum does not lend money, set interest rates or make credit decisions. It collects your details and passes them to lenders that pay it a referral fee. The lender that accepts you runs the affordability assessment, issues the quotation and pays out; your agreement is with that lender. The fee can't be added to your loan — costs are capped by the National Credit Act however you applied.

MoneyMatcher rating

3.5

Transparency: 4/5
Cost: 3/5
Speed: 3/5
Flexibility: 4/5

See offers via Creditum

Borrowing money costs money — only borrow what you can afford to repay. Lenders listed here publish a National Credit Regulator registration; matching services are not lenders and are labelled as such. The order of our lists reflects our partner agreements; the star ratings are our own. Costs shown as "legal maximum" are the caps set by the National Credit Act, not a lender's price.

Key facts

Read from the company's own site on 25 August 2026

Type	Matching service — not a credit provider
Legal name	Summarum Media Oy
Company registration	2823017-4 (Finland)
Operator	Summarum Media Oy, Helsinki, Finland; comparison delivered by Avica Group / Myloan.co.za, Cape Town
Products	personal, consolidation, short-term
Advertised range	R500 – R350 000
Terms	6 months – 72 months
Payout	Non-binding offers in seconds; payout set by the lender you choose
Cost example	Site's representative example: R30 000 over 36 months at a maximum 28% a year ≈ R1 360 a month including initiation and service fees Source: https://creditum.co.za/ (representative example; APR 11–28%)
Website	creditum.co.za

Source: https://creditum.co.za/ (R500–R350 000; 6–72 months; APR 11–28%; not a credit provider; partners with Myloan.co.za / Avica Group; Summarum Media Oy 2823017-4)

Where it does well

Publishes a representative example and its APR range
Operator and broker partner named
Non-binding offers, free

Where it doesn't

Applications go through a broker chain, not to lenders directly
Same panel as Arcadia Finance, so no extra options
Not a credit provider

Questions about Creditum

›Is Creditum a lender?

No. Creditum is a matching service run by Summarum Media Oy, Helsinki, Finland. It forwards your application to registered credit providers; any loan agreement is between you and the lender that accepts you.

›Does Creditum charge me anything?

No. Matching services are paid by the lenders they refer to. That fee cannot be added to your loan cost, which is capped by the National Credit Act regardless of how you applied.

›Will Creditum check my credit record?

The platform itself usually runs a soft pre-check. The lender it forwards you to must run a full affordability assessment, including a credit check, before granting credit — no registered lender can skip that.

›How much can I get through Creditum?

The site advertises R500 – R350 000, which is the range across its partner lenders. Your offer depends on the lender's assessment, and most applicants are offered far less than the headline maximum.