Terms of Use

Effective date: 8 November 2026 | Last updated: 8 November 2026

1. Who we are

In line with section 43 of the Electronic Communications and Transactions Act 25 of 2002 (“ECTA”), we confirm that realcreditto.info (the “Website”) is operated by Real Creditto. You can contact us at:

Real Creditto
Website: realcreditto.info
Email: support@realcreditto.info

By accessing or using the Website, you agree to these Terms of Use (the “Terms”) and to our Privacy Policy. If you do not agree, please do not use the Website.

2. About our services

Real Creditto provides general information about personal loans and short-term loans, including questionnaires, comparisons and links to lenders that offer them.

Real Creditto is not a bank, a credit provider or a debt counsellor, and is not registered with the National Credit Regulator (NCR) as a credit provider. We do not grant credit, assess applications, give credit advice, collect payments or charge you anything for using the Website. All products shown are offered by independent lenders, who must be registered with the NCR under the National Credit Act 34 of 2005 (“NCA”).

3. Who may use the Website

You must be at least 18 years old and have full legal capacity to use the Website. By using it, you confirm that you meet these requirements.

4. Information only, not financial advice

All content on the Website is for general information only. It is not financial, legal, tax or investment advice, and it is not a recommendation to take out any particular product.
Interest rates, fees, terms and conditions of third-party products may change at any time. Although we try to keep information up to date, we do not guarantee that it is complete, current or error-free. Before signing any credit agreement, always read the pre-agreement statement and quotation, and check the interest rate, initiation fee, monthly service fee and total cost of credit directly with the lender.
Questionnaire results and the offers we show are a guide only. They do not guarantee approval, a specific interest rate or any particular outcome.
Borrowing money costs money. Only borrow what you can afford to repay. Missed payments can lead to extra charges, collection costs and a negative listing at a credit bureau. If you are struggling with debt, you can contact the NCR at ncr.org.za for information about debt counselling.

5. Lenders and third-party links

The Website contains links to the websites of lenders and other third parties. When you follow a link, you leave the Website, and any relationship you enter into is solely between you and that third party, under its own terms and privacy policy. We do not control or endorse these third parties and are not responsible for their products, decisions or conduct, including approving or declining applications, interest rates, fees, debt collection or customer service. You can check whether a lender is registered on the NCR website.

6. Advertising and commission

We may receive a commission from some lenders when you click on their links or take out their products. This commission may influence which products we show and in what order, but it does not change the price you pay. We do not show every lender or every product available on the market.

7. Your obligations

When using the Website, you agree not to:

enter false or misleading information, or another person’s information, in any form;
use the Website for any unlawful or fraudulent purpose;
try to gain unauthorised access to the Website, its servers or any connected systems;
introduce viruses, malware or any other harmful code;
use bots, scrapers or other automated means to extract content or data from the Website without our written permission;
interfere with the normal operation of the Website or overload its infrastructure;
copy or impersonate Real Creditto, its brand or its content.

We may suspend or block access to the Website for anyone who breaches these Terms.

8. Intellectual property

All content on the Website, including text, graphics, logos, design and software, belongs to Real Creditto or is used under licence, and is protected by intellectual property law. You may view and print content for your personal, non-commercial use. Any other use requires our prior written permission. Third-party trade marks shown on the Website belong to their respective owners.

9. Disclaimer and limitation of liability

To the extent permitted by law, the Website and Services are provided “as is” and “as available”. We do not guarantee that the Website will be uninterrupted, secure or error-free.

To the fullest extent permitted by law, Real Creditto, its owners, employees and partners will not be liable for any indirect or consequential loss, or loss of profit, arising from the use of, or inability to use, the Website or any third-party product you access through it.

Nothing in these Terms limits your rights under the Consumer Protection Act 68 of 2008, the NCA or any other law that cannot be excluded or limited by agreement.

10. Privacy

How we handle your personal information is described in our Privacy Policy, which forms part of these Terms.

11. Changes to the Website and these Terms

We may change, suspend or discontinue any part of the Website at any time. We may also update these Terms; the new version will be published on this page with a new “Last updated” date. If you continue to use the Website after changes are published, you accept the updated Terms.

12. Governing law

These Terms are governed by the laws of the Republic of South Africa, and the South African courts have jurisdiction over any dispute. Before starting any proceedings, we invite you to contact us so that we can try to resolve the matter informally.

13. General

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions stay in force.
If we do not enforce a right or provision, this does not mean we have waived it.
These Terms, together with the Privacy Policy, are the entire agreement between you and us about the Website.