New loan companies in South Africa: who registered with the NCR most recently

Lenders by NCR registration date

Dates and company numbers: NCR register of registrants, searched by NCR number on 29 Oct 2026 (“Final Registration Date”). Amounts and terms: lender profiles in our database, checked 25–27 Oct 2026. The order is newest first and is not a ranking. Cashgist and LendPlus are in the table for completeness. Apply from the lender’s card: Creditbar, Crediwise, Prime Loans, Century.

Creditbar’s own page gives the term as 7 to 61 days in its FAQ and 7 to 45 days in a banner on the same page (29 Oct 2026). Use the figure in your pre-agreement statement, not the banner.

1. Find the lender’s legal name and NCR number on its website (footer or terms). Crediwise and Prime Loans print their NCRCP numbers and company numbers; Creditbar prints “CP23238”, which is NCRCP23238 in the register.
2. Open the NCR website, go to the register of registrants and search credit providers by the NCRCP number.
3. Compare the name on the register with the name on the lender’s site and in your agreement. The status should read “Registered”, and the entry shows the final registration date.

Some brands trade under a different legal name than the one on their site (Century’s site is creditza.co.za, the register entry reads “Century Financial Services (Pty) Ltd”). Always search by the number, not the brand. More on telling legal lenders from loan sharks: loan sharks and legit lenders.

The date in the table is the lender’s final registration as a credit provider, not the day its website appeared. The company number helps: its first four digits are the year the company was incorporated. Creditbar (2026) and Crediwise and Cashgist (2025) are new companies. Century’s company dates from 2023 and was registered with the NCR in November 2024, and LendPlus’s from 2023, registered in August 2023.

A brand can also be older than the legal entity behind it: the register shows the company that holds the credit-provider registration today, not earlier trading names. So treat the date as “registered since”, not “founded in”. A newer lender simply has a shorter public record.

Requirements by lender

All six ask for bank statements, which is how they check affordability. Three salary deposits (Century, Cashgist) are stricter than a generic statement, and Cashgist accepts only PDF statements downloaded from your bank. Only Creditbar and Cashgist say anything about citizenship: if you are not a citizen or permanent resident, check the lender before applying. The lenders’ requirement lists, side by side, are in loan requirements in South Africa.

New lenders work under the same caps on interest and fees as older ones, and before you sign the lender must give you a pre-agreement statement with the total you will repay. Creditbar and Crediwise do not show their fees on our cards, so ask for the quote first. Century shows its charges on its site; see the worked example in the payday loans guide.

To compare the cost of your own amount and term, use the loan calculator.

• a fee demanded before the money is paid out (“insurance”, “processing”, “activation”);
• no NCRCP number on the site, or a number that does not match the name when you search the register;
• pressure to hand over your ID and PIN on a messaging app;
• an agreement that does not state the total repayment, the interest rate and every fee.

A credit agreement with an unregistered provider is unlawful under the Act, and lenders may not ask for your PIN. The legal references are in the loan sharks guide.

If a lender’s registration, amount and requirements fit you, apply on its site. Compare more lenders by amount and term on online loans in South Africa, or open the A to Z list of loan companies in South Africa.