Non-Profit Emergency Loan Programme
Access Emergency Funds
Access Emergency Funds
Without Losing What Matters
CedCredit provides zero-interest emergency loans to individuals in genuine need. Leave a valuable item as collateral with our authorised warehouse partner — The Raymond Ruach Foundation — and receive your funds. Repay and collect your item back. Simple. Dignified. Free of interest.
Zero Interest
This is a non-profit programme. No interest, no hidden charges. You repay exactly what you borrowed.
Secure Collateral
Your item is safely held by The Raymond Ruach Foundation — a certified warehouse partner. Returned in full on repayment.
Unique Reference
Once verified, you receive a unique CedCredit reference number to complete your loan application on the CedFinance portal.
Who Can Apply?
Individuals facing a genuine financial emergency who are not connected to the Cedeed ecosystem
Applicants who can provide a valuable item (electronics, jewellery, documents, equipment) worth at least the loan amount
Persons willing to physically deposit the collateral item with The Raymond Ruach Foundation before the loan is approved
This programme is not for profit-seeking investment. It is for emergency relief only.