Debt consolidation loans

If you’re juggling multiple loans, credit cards, or accounts and struggling to keep up — a debt consolidation loan could help you breathe easier. It combines all your debts into one affordable loan, often at a lower interest rate, so you only have one payment to manage each month.

What’s new?

We’ve improved our process to protect your credit score and help you understand your options before applying for a loan.

Instead of sending your application straight through for credit checks, we now offer a free loan consolidation assessment first.

How it works:

1. Apply online – Fill in our simple application form.
2. We assess your situation – A consolidation consultant reviews your credit profile and affordability.
3. You get answers – We explain your options, including whether you qualify for a loan.
4. No pressure – If you qualify, we’ll submit your application to the right lender. If not, we’ll explain why and what to do next.

Why we do it this way:

Many people apply for debt consolidation without fully understanding how it works — including how interest rates, loan terms, and fees can affect the total cost of repaying their debt.

Our approach gives you:

✅ A chance to consolidate your debt
✅ A clear understanding of your financial position
✅ Expert advice before any credit checks
✅ Access to vetted lenders if you qualify

What can be consolidated?

• Credit cards
• Personal loans
• Store accounts
• Short-term loans

Minimum requirements:

✔️ You must be permanently employed or have a stable income
✔️ Your total debt must be R30,000 or more
✔️ Your salary must be paid into a bank account
✔️ You must live in South Africa

👉 Start Your Application

It’s quick and simple. Our team will review your situation and guide you through the next steps.