Congo Creek is located near the small community of Congo, close to Moruya on the New South Wales south coast. It is an intermittently open or closed lake and lagoon (ICOLL), typically separated from the sea by a natural sand berm. This separation from the ocean creates a brackish lagoon that only opens naturally to the ocean following heavy rainfall, very high tides and rough seas, or a combination of these conditions. The creek supports extensive seagrass beds — flowering plants that thrive in warm, shallow water — which in turn shelter and feed numerous fish and crustacean species, including those of commercial and recreational fishing significance.

Paddling begins in the shallows adjacent to the houses at Congo, heading west into a broader lagoon area. Reed banks line portions of the route, and the creek then snakes further westward through a narrowing channel system. The waterway is characterized by fallen trees, submerged branches, and tight passages that require maneuvering under and around obstacles. The banks alternate between high sandy sides lined with eucalypts and lower sections of reeds and grasses. The creek's winding course means each bend presents a different landscape, and the route can be explored progressively as conditions allow.

The primary hazards are the fallen trees and branches throughout the creek, which demand attentive boat handling, particularly in the narrower upper sections. The shallow, brackish nature of the water and its intermittent connection to the sea are also relevant considerations for trip planning.

Birdlife is abundant and audible throughout the paddle, and the underwater environment — visible in the shallower, clearer sections — contains seagrass meadows that support diverse aquatic life. The area is typically very quiet, with little to no other boat traffic reported during paddling excursions.

The put-in is at the shallows near the houses in the Congo community. No specific facilities or amenities for paddlers are available at the site. Organized kayak tours of Congo Creek have been offered through at least one commercial operator based in the Eurobodalla region.