Loan management for South African lenders. Apply for loans online.
Neurowave helps lenders manage the full loan lifecycle – while borrowers apply online through a secure portal. Staff assess, approve, sign, collect, and manage accounts with responsible lending workflows built for NCR registered credit providers.
One platform. Three pillars.
Neurowave bridges the gap between lenders who need enterprise-grade tooling and borrowers who need fair, transparent access to credit – all under one NCA-compliant roof.
Loan management system
Enterprise-grade lending software built for South African credit providers. Manage your entire loan book – origination to collection – in one NCA-compliant platform.
- Loan origination & disbursement
- DebiCheck debit order automation
- Portfolio analytics & risk scoring
- NCA compliance reporting
Micro-lending services
Fast, fair, NCA-compliant micro-loans for South African individuals and small businesses. Apply online in minutes. No hidden fees. Transparent repayment terms.
- Online application – 10 minutes
- Affordability assessment (NCA)
- Same-day decision
- Debit order repayments
Compliance & governance
Responsible lending is the foundation – not a feature. Every loan, every system, and every data process is built around the National Credit Act and POPIA.
- NCA Act 34 of 2005 compliant
- NCR Registered
- POPIA data protection
- Mandatory affordability assessments
Built for both sides of South African lending.
For lenders
If you're a registered credit provider – micro-lender, salary advance provider, SME lender, or financial institution – Neurowave gives you the infrastructure to run a modern, compliant lending operation.
For borrowers
If you need a short-term loan – for an emergency, home improvement, education, or business working capital – Neurowave offers fair, NCA-compliant micro-lending with a clear, honest process.
Powerful Features for Modern Lenders
Every tool you need to run a compliant, efficient, and profitable lending business.
Portfolio Management
View all loans with payday collection dates prominently displayed and real-time status tracking.
- Filter loans by collection date
- Overdue loans highlighted instantly
- Progressive status transitions enforce integrity
Risk Assessment
Color-coded risk categories for instant borrower risk identification and monitoring.
- Green / Amber / Red risk categories
- Risk visible at portfolio and borrower level
- Quick visual identification reduces decision time
Compliance & Audit
Built-in compliance tools with immutable audit trails and NCA regulatory alignment.
- Every action logged with full history
- Export logs for regulatory reporting
- NCA requirements enforced automatically
Debit Order Management
Create, manage, and transmit DebiCheck payment batches directly to your payment provider.
- Authenticated DebiCheck mandates
- Batch creation from due loans
- Monitor: pending, transmitted, completed
Collections & PTP
Structured collections workflow with promise-to-pay tracking and follow-ups.
- Overdue loans grouped by aging buckets
- Track PTP status: pending, kept, broken
- All communications logged for audit
Loan Templates
Standardise loan creation with reusable templates and default configurations.
- Auto-populate forms with predefined settings
- Activate/deactivate without deleting
- Ensures consistency across loan products
From application to collection in one platform
Every step of the lending lifecycle – covered. No patchwork of disconnected tools.
Application & Origination
Digital application capture, document upload, and initial credit checks.
Affordability Assessment
NCA-compliant affordability scoring, credit bureau query, and risk rating.
Loan Agreement & Disbursement
Pre-agreement disclosure, digital signing, and same-day EFT disbursement.
Automated Collections
DebiCheck debit orders, NAEDO, failure tracking, and retry management.
Reporting & Compliance
NCR reports, NCA disclosures, POPIA audit trails, and portfolio analytics.
Neurowave covers every step – from first application to final repayment – in a single, unified platform. No separate tools. No manual reconciliation. No compliance gaps.
Compliance built in – not bolted on
Neurowave operates under the National Credit Act (Act 34 of 2005). All lending operations are subject to affordability assessments as required by Section 81 of the NCA. Full compliance statement
Connects with South Africa's financial infrastructure
Neurowave plugs directly into the South African financial ecosystem – payment rails, credit bureaus, identity verification, and open banking – so your platform is production-ready from day one.
Platform
Two paths. One platform.
Transform your lending operation
Move from spreadsheets and disconnected tools to a single, NCA-compliant platform. Start with a walkthrough tailored to your portfolio.
- Free 30-minute platform walkthrough
- No commitment required
- Live demo on your portfolio workflows
- Pricing aligned to book size
Apply for fair, transparent credit
Short-term loans with clear costs and NCA-aligned affordability checks. Apply online in minutes with same-day decisions when criteria are met.
- Online application – 10 minutes
- NCA-compliant affordability assessment
- Same-day decision when criteria are met
- Transparent fees and repayment schedule
Neurowave Holdings (Pty) Ltd – registered credit provider, NCRCP23532. All lending is governed by the National Credit Act (Act 34 of 2005). Affordability assessments apply to all applications.
Read our compliance statement →