Debt Consolidation Loan
Simplify your debt with one manageable monthly repayment.
✅ Find out in minutes whether you meet the minimum criteria
✅ One assessment to review your affordability and options
✅ Guidance before any loan is submitted
Loans available from R30,000 to R350,000
A structured approach to debt consolidation
If multiple debts are putting pressure on your finances, a debt consolidation loan can help simplify your repayments. By combining qualifying debts into a single loan, you manage one repayment each month instead of juggling several accounts.
Debt consolidation should reduce financial pressure — not create new risk.
Before any loan is submitted, we start with a free debt consolidation assessment to ensure the solution improves your position and supports long-term financial stability.
A consolidation consultant assesses your affordability, credit profile, and existing obligations before submitting any loan application. This allows you to understand whether consolidation is suitable and what the repayment will realistically look like.
Benefits of our approach
1️⃣ One manageable monthly repayment
Combine multiple qualifying debts into a single loan with one repayment to track.
2️⃣Assessment before application
Your situation is reviewed first, helping avoid unnecessary credit checks.
3️⃣ Clear affordability review
The team checks whether a consolidation loan will genuinely improve your monthly cash flow.
4️⃣ Access to suitable lenders
Applications are matched to vetted lenders based on your profile.
5️⃣ Guidance if a loan isn’t suitable
If you don’t qualify, we explain why and outline practical next steps.
Check if you qualify?
Complete the form to see whether a debt consolidation loan is right for you.
No obligation. Clear guidance before any application is submitted.
Once submitted, you’ll receive a call or WhatsApp message from a consolidation consultant for a free assessment to see if you qualify.
How it works
Apply online
Complete the application form with your basic personal and financial details. This allows us to understand your situation and start the assessment.
Assessment review
A consolidation consultant reviews your credit profile, income, and affordability to determine whether debt consolidation is suitable for you.
You receive clear feedback
Your outcome is explained, including whether you qualify, the potential loan terms, and next steps.
If you qualify, your application is submitted to the appropriate lender. If not, alternative solutions are provided.
Frequently asked questions
What is a debt consolidation loan?
A debt consolidation loan combines multiple debts into one loan with a single monthly repayment, making debt easier to manage.
What types of debt can be consolidated?
You may consolidate:
- Credit cards
- Personal loans
- Store accounts
- Short-term loans
How much can I apply for?
Debt consolidation loans range from R30,000 to R350,000, subject to affordability and credit profile.
Do you run a credit check immediately?
No. We first complete an assessment before submitting any formal loan application.
What are the minimum requirements?
- Permanent employment
- Total debt of R30,000 or more
- Salary paid into a bank account
- South African resident
What income is required?
You must take home at least R5,000 per month to apply.
Can self-employed or commission earners apply?
No. Debt consolidation loans are only available for full time employed clients that are paid monthly.
Can I apply if I’m under debt review or administration?
No. We cannot assist with loan applications for clients under debt review, administration, or sequestration.
What interest rates apply?
Interest rates range between 20% and 30%, based on your personal financial profile and discussed before acceptance.
What documents are required if I qualify?
- Clear copy of your ID
- Proof of residence (not older than 2 months)
- Latest 3 months bank statements
- Latest payslip
Is a debt consolidation loan the same as debt review?
No. A debt consolidation loan is a credit product that combines existing debts into one loan. Debt review is a formal debt management process regulated by law. Applying for a debt consolidation loan does not place you under debt review.
Will this enquiry negatively affect my credit report?
The initial assessment does not negatively affect your credit report. A formal credit check is only done if your application is submitted to a lender, and this will be discussed with you before proceeding.
Do you pay my creditors directly, or is this a loan paid to me?
This depends on the lender and loan structure. In some cases, creditors are paid directly. In others, the loan is paid to you, and you settle the accounts yourself. This is explained during the assessment so you understand exactly how it works before moving forward.
Is any upfront payment required?
No upfront payment is required to complete the assessment. Any fees or costs linked to a loan are disclosed by the lender as part of the offer, and only apply if you choose to proceed.
All applications are subject to affordability and credit criteria.