How CedCredit Works

A simple, dignified process from application to repayment.

1

Submit Your Application

Fill out the application form on this website with your personal details, the loan amount you need, and information about the item you wish to use as collateral.

2

Deposit Your Collateral

Take your collateral item to The Raymond Ruach Foundation warehouse. Our staff will verify, photograph, and safely log your item. You will receive a deposit receipt.

3

Verification by CedCredit Team

Our team reviews your application and confirms the collateral deposit with The Raymond Ruach Foundation. This typically takes 1–2 business days.

4

Receive Your Reference Number

Once verified and approved, you will be issued a unique CedCredit Reference Number (e.g. CEDC-A3F2B891) via SMS and email.

5

Apply on CedFinance Portal

Visit portal.cedeed.com, go to Loans, select "I Have a CedCredit Reference", enter your reference number, and complete the loan application form. Funds are disbursed upon final approval.

6

Repay & Collect Your Item

Repay the exact amount borrowed (zero interest) within the agreed timeline. Contact The Raymond Ruach Foundation with your receipt and repayment confirmation to collect your item.

Important: Failure to repay within the agreed period may result in forfeiture of your collateral item as per the terms agreed at the time of application.
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