Replace spreadsheets and notebooks with a professional platform built for South African private lenders.
Every borrower, loan and repayment in one searchable place, on any device. No more guessing what you're owed.
Automated WhatsApp, Telegram and email reminders keep every due date top of mind for your borrowers.
Professional records, digital receipts and monthly P&L reports give you the credibility to lend at scale.
ID, banking details, income docs and full loan history in one searchable place.
Automated payment reminders through the channels your borrowers already use.
Record every payment, auto-issue digital receipts, keep a clean audit trail.
Monthly P&L, cash flow calendar and overdue exposure at a glance.
Shareable loan receipts, payment confirmations and monthly statements.
A daily briefing on overdue accounts so you know exactly where you stand.
Payday, multi-term, custom interest rates and repayment schedules.
Encrypted data, tenant-isolated records, POPIA-aligned by design.
CreditBuddy is 100% free — no trial countdown, no subscription, no card. Unlimited borrowers, unlimited loans, and every feature unlocked from day one.
“I used to manage everything in a notebook. CreditBuddy showed me what running a proper lending business looks like. My borrowers take me more seriously now.”
“The WhatsApp receipts changed everything. There's a paper trail now and my borrowers know I mean business. Overdue payments dropped in my first month.”
“Within a week I had all my loans captured and could finally see my full book. I didn't realise how much I was losing track of.”
Sign up free, no credit card. Under two minutes.
Add your business name, default rate, and WhatsApp number.
Add borrowers, create loans, track every repayment.
No credit card, no subscription. Full book set up in under five minutes.
Are you a borrower? Go to the borrower portal