The Ultimate Credit Provider Registration Checklist

Compliance | Jun 20, 2025 | 6 min read | By NCA Team

Registering as a credit provider with the National Credit Regulator (NCR) is a strict requirement for anyone lending money with interest or exceeding the threshold of principal debt owed. To avoid delays, ensure you have the following documents ready before you apply.

### 1. Company Documents - [ ] CIPC Registration Documents (CoR 14.3) - [ ] Shareholder Certificates - [ ] Resolution letter authorizing the representative to apply on behalf of the company

### 2. Personal Documents (For all Directors/Members) - [ ] Certified copies of ID documents - [ ] Criminal Clearance Certificates (SAPS) - not older than 6 months - [ ] Part B of Form 2 (signed by each director)

### 3. Financial & Tax Documents - [ ] Proof of payment of the registration fee (Non-refundable) - [ ] Valid Tax Clearance Certificate or SARS PIN - [ ] Letter from the bank confirming banking details (stamped)

### 4. Compliance Documents - [ ] A signed commitment to register with the National Credit Register - [ ] Proof of registration with the Financial Intelligence Centre (FIC)

### Important Tips - **Double-check names:** Ensure the name on your CIPC documents matches your ID and bank account exactly. - **Certification:** All certified copies must be less than 3 months old. - **Criminal Record:** If any director has a criminal record involving fraud or dishonesty, the application will likely be rejected.

Submitting a complete application is the fastest way to get your NCR certificate. Missing a single document can delay the process by weeks. For more questions, check our FAQ page.

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