Creditum is registered with the National Credit Regulator as Creditum Consulting (Pty) Ltd, trading as Creditum Cash Loans. It maintains no website, so the details below come from the regulator register, which is the authoritative record for any lender in South Africa.
Official contact channels
- Telephone: 072 771 3218
- Address: 36 Barcelona, 11 Spica Crescent, Randburg, 2192
- NCR registration number: NCRCP17309
- Company registration number: 2022/842888/07
- Registered with the NCR since April 2023
The registered name and the trading name differ, and that trips people up when they check the register. Searching for Creditum Cash Loans alone may return nothing; the entry sits under Creditum Consulting (Pty) Ltd, with the trading name recorded alongside it.
What this organisation provides
- Short-term cash loans as a registered credit provider
- Lending governed by the National Credit Act
- Operates from a single registered address in Randburg, Gauteng
- The register records the business as currently registered rather than cancelled or lapsed
- No website, online application portal or call centre is published
Registration is not a recommendation. It means the lender is entitled to extend credit and is subject to the Act, nothing more, and a registered lender can still offer you terms that are bad for you.
Address and operating information
- The registered premises are in Randburg, in the north-west of Johannesburg
- The published contact is a mobile number rather than a landline
- Business is conducted in person rather than online
- No trading hours are recorded on the register
- The register also records the business premises approved for the registration
A registered credit provider may only trade from premises recorded against its registration. If you are asked to sign somewhere other than a registered address, ask why before you do.
Support and escalation routes
- Check the lender on the NCR register before signing; the NCR is on 0860 627 627
- You are entitled to a pre-agreement statement and quotation before you sign, setting out the instalment, the interest rate, all fees and the total you will repay
- The quotation is valid for five business days, so you may take it away and compare rather than deciding at the counter
- You are entitled to a copy of the signed agreement and to a statement of account
- If repayments become unaffordable, a registered debt counsellor can apply to restructure the debt, which protects you from legal steps while it runs
- Complaints about a credit agreement go to the National Financial Ombud on 0860 800 900; complaints about a lender conduct go to the NCR
Ask for the quotation in writing and take it with you. The five-day validity exists precisely so that a borrower can compare offers away from the pressure of the counter, and a lender refusing to issue one is not complying with the Act.
Sources
- National Credit Regulator register of registrants, registered credit providers, ncr.org.za, read 4 September 2026