Crediflow loans: is it legit? Requirements, costs and calculator
Yes: Crediflow is a registered credit provider, NCR registration NCRCP23582 (we last checked its terms on 2026-10-29). Crediflow loans (Crediflow Short-Term Loan): R 500 – R 8 000. The figures below come from the provider’s terms.
What it costs
Rates and the full cost of credit are shown by the lender before you sign. The legal limits on interest and fees, and a representative example from another provider we list, are in the box below.
What the provider says about itself
- No collateral or guarantor needed
Crediflow loan calculator
Crediflow does not publish its rate, so this works out the most a loan from Crediflow may cost under the National Credit Act. Its real quote may be lower, never higher.
R2 000.00 may cost you at most R811.75
This is a short-term loan under the National Credit Act (up to R8 000, repaid within six months). Interest is capped at 5% a month — 60% a year.
- Interest
- R300.00
- Initiation fee
- R265.00
- Service fee (R60 × 3 months)
- R180.00
- VAT on the fees, if the lender adds it
- R66.75
- The most it may cost
- R811.75
- The most you may repay in total
- R2 811.75
If this is not your first short-term loan this calendar year, interest is capped at 3% a month: R180.00 instead of R300.00.
Credit life insurance, if the lender requires it, comes on top and is capped separately. Many offers cost less than the maximum: the provider must show you the full cost in a quote before you sign.
Is Crediflow a registered credit provider?
Yes. Crediflow is registered with the National Credit Regulator under NCRCP23582. You can look the number up on the National Credit Regulator register. If a provider is not on that register, it may not lend to you, whatever it says. A registered lender never asks for a fee before it pays out a loan.
We last checked Crediflow’s terms on 2026-10-29.
Crediflow loan requirements
Crediflow lists these requirements:
- Valid South African ID
- Bank statements for the last 3 months
- Regular income
- Active cell phone number
On top of its own list, Crediflow must check that you can afford the repayments: it looks at your income, your existing debt repayments and your living costs, and at your record with the credit bureaus. Lending to someone who clearly cannot afford it is reckless lending under the National Credit Act.
How to apply for a Crediflow loan
- Check whether Crediflow is open to you: answer a few questions on RandScout. It takes about two minutes and does not touch your credit record. If Crediflow fits your answers, it appears in your results.
- Open the offer and apply on Crediflow's own website. Have your ID, your bank details and proof of income ready.
- Crediflow runs an affordability assessment and checks your credit record, as every registered lender must under the National Credit Act.
- Read the pre-agreement statement and quotation: the amount, the term, every fee and the total you repay. Accept only if the total fits your budget.
- If you accept, the money is paid into your bank account, and Crediflow usually collects the repayment by debit order on the agreed date.
Crediflow login and existing loans
If you already have a loan, sign in on Crediflow’s own site: Crediflow login page. Repayments, settlement amounts, a new loan or a change of bank details go through that page or through Crediflow directly. RandScout cannot see or change your account.
Check the address before you type your password: it must be on Crediflow’s own website. No registered lender needs your banking PIN or a fee before it pays out, so a message that asks for either is a scam.
Who Crediflow may suit
- You need R 500 – R 8 000.
- Your income is paid into a bank account on a predictable date.
- You have checked that the repayment still fits after your other debit orders and living costs.
If you need more, or longer to repay, compare personal loans from registered providers instead. A short loan repaid on time costs far less than one that rolls over.
Alternatives to Crediflow
- CreditBar loans: R 500 – R 5 000 over 7 – 61 days. Rates and the full cost of credit are shown by the lender before you sign.
- Jabulani Money loans: R 500 – R 4 000. Rates and the full cost of credit are shown by the lender before you sign.
- Kredio loans: R 500 – R 8 000 over 7 – 61 days. Rates and the full cost of credit are shown by the lender before you sign.
Every provider we list is on our list of credit providers, with its registration number.
Questions about Crediflow loans
Is Crediflow legit?
Crediflow is a credit provider registered with the National Credit Regulator under NCRCP23582. You can check the number yourself on the NCR register at ncr.org.za. RandScout is not Crediflow and is not a lender.
How much can I borrow from Crediflow?
Crediflow lends R 500 – R 8 000. What you are offered follows from its affordability assessment, so it may be less than you ask for, especially on a first loan.
What does a Crediflow loan cost?
Crediflow does not publish a rate or a representative example; it shows the full cost in a quote before you sign. By law, R2 000.00 over 3 months may cost at most R811.75 — the calculator above works it out for your amount.
Can I get a Crediflow loan with a poor credit record?
Crediflow decides that itself and does not publish a rule we could quote. Every registered lender checks your credit record and may not lend if you cannot afford the repayments. RandScout shows Crediflow only when your answers fit who it lends to; if they do not, we show providers that may consider you.
Does Crediflow do credit checks?
Yes. Before it lends, Crediflow must check your record at the credit bureaus and whether you can afford the repayments — the National Credit Act requires it of every registered lender. A provider that promises a loan without any check is not following the Act.
Does checking on RandScout affect my credit score?
No. Our questions do not run a credit check and leave no record at a credit bureau. Crediflow checks your credit record only when you apply with it.
Crediflow checks your application and your credit record and decides. Each application leaves an enquiry on your record, so check the requirements above first.
Who we are and what a loan can cost
RandScout is a loan comparison service and lead generator. We are not a lender or credit provider and take no part in the decision. Lenders and loan-matching services may pay us when you open their offer.
Short-term loans from lenders registered with the National Credit Regulator are capped by law: interest of up to 5% a month on a first loan and 3% a month on later loans in the same year, an initiation fee of up to R165 plus 10% of the amount above R1 000 (never more than R1 050), and a monthly service fee of up to R60. VAT may be added to the fees. Longer loans have their own legal caps.
Repayment terms of the providers we list run from 5 days to 2 months.
Each lender shows its exact rate, fees and total cost before you sign. Compare them and borrow only what you can repay on time.