Crezu review
Names its operator, publishes its terms and an example, and covers everything from R500 to a consolidation loan.
An Estonian-run matching platform with 45 partner lenders and the widest range on this list — R500 to R350 000 over 6 to 72 months — that says plainly it is not a lender and publishes a representative example. The headline maximum is the network's, not one lender's.
Who it suits: Someone who wants to be seen by many lenders at once, including for a personal or consolidation loan, and can wait a few minutes for offers.
What a matching service is
Crezu 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
4.0- Transparency
- 4/5
- Cost
- 3/5
- Speed
- 4/5
- Flexibility
- 4/5
Operator named, costs published, claims that match the law
How far below the legal maximum it prices
Application to money in your account
Amounts, terms, extensions, early settlement
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 | Fininity OÜ |
| Company registration | 14523902 (Estonia) |
| Operator | Fininity OÜ, Haabneeme, Estonia |
| Products | short-term, personal, consolidation |
| Advertised range | R500 – R350 000 |
| Terms | 6 months – 72 months |
| Payout | Offers in about 2 minutes; the site says funds within 15 minutes of a lender's approval |
| Cost example | Site's representative example: R30 000 over 6 months, total cost R1 800, R31 800 to repay (APR 12%) Source: https://crezu.co.za/ (product information block) |
| Website | crezu.co.za |
Source: https://crezu.co.za/ (R500–R350 000; 6–72 months; APR 12–36%; 45 partners; not a lender; Fininity OÜ 14523902) and /about/
Where it does well
- Publishes product terms and a representative example
- Operator and registration named on every page
- Large panel spanning payday to consolidation loans
Where it doesn't
- Headline amounts are network-wide; most applicants are offered far less
- Not a credit provider
- Operated from Estonia
Questions about Crezu
›Is Crezu a lender?
No. Crezu is a matching service run by Fininity OÜ, Haabneeme, Estonia. It forwards your application to registered credit providers; any loan agreement is between you and the lender that accepts you.
›Does Crezu 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 Crezu 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 Crezu?
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.
Alternatives to Crezu
MoneyHello
The most transparent matching service on this list: names every partner lender and its NCRCP number.
Creditum
Arcadia's twin from a Finnish publisher, on the same Myloan panel, with the same clear example.
Arcadia Finance
The longest-running matching service here, with a real review record and the widest term range.
Crezu
4.0