Replace several due dates
Bring qualifying accounts into one facility with one monthly repayment to track.
Debt consolidation loan
Bring your debts into one clear plan.
Combine qualifying debts into one manageable monthly repayment, after a consultant has reviewed your affordability and confirmed that consolidation is suitable.
◆ The initial assessment takes place before any formal lender submission.
R30k–R500kLoan range, subject to assessment
One repaymentA simpler monthly commitment
R5,000+Minimum monthly take-home pay
No upfront feeFor the initial assessment
Could you qualify?
Check the starting indicators before completing the assessment.
From many payments to one
Several debts. One monthly repayment.
01payment to manage
One amount • One date • One clearer view
A more considered way to consolidate
One repayment.
A clearer monthly plan.
A debt consolidation loan combines qualifying debts into one credit facility. Before a formal application is submitted, a consolidation consultant reviews your income, credit profile and existing obligations to see whether the structure may improve your position.
01
Replace several due dates with one repayment
Qualifying credit cards, personal loans, store accounts and short-term loans may be considered.
02
Review affordability before applying
The consultant assesses your current obligations and the proposed repayment before a lender submission.
03
Receive clear feedback either way
If consolidation is not suitable, the consultant explains why and outlines practical next steps.
One repayment with a clear purpose
What could a simpler debt structure change?
The aim is not simply another loan. It is a more manageable monthly structure based on a realistic affordability review.
Understand the commitment
Review the proposed repayment, rate and terms before deciding whether to proceed.
Apply through a suitable route
A consultant considers your profile and affordability before identifying a suitable lender.
Reduce monthly admin
Spend less time tracking several account schedules, balances and payment dates.
Know before a credit check
The initial review takes place before any formal loan application is submitted.
Get feedback if it does not fit
If consolidation is unsuitable, the consultant explains the outcome and practical alternatives.
Simple, not simplistic
One assessment.
Three clear steps.
Your position is reviewed before any formal application is passed to a lender.
1
Complete the online form
Share your basic personal, employment, income and debt information to begin the assessment.
2
Review affordability
A consolidation consultant reviews your credit profile, income and existing obligations to determine whether consolidation may be suitable.
3
Receive clear feedback
The consultant explains the outcome, potential next steps and whether a formal lender submission is appropriate.
Important: Meeting the starting criteria does
not guarantee approval. The lender makes the final credit
decision.
Read the FAQs →
Know where you stand
The essentials, upfront.
These are the current minimum starting criteria for the debt consolidation assessment.
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Permanent monthly employment
Applicants must be employed full-time and receive their salary monthly into a bank account.
✓
R5,000+ take-home income
Your monthly take-home salary must be at least R5,000.
✓
R30,000+ total debt
Your qualifying debts should total at least R30,000.
✓
South African resident
A valid identity document and supporting records are required for the full assessment.
Debt consolidation is not available to applicants under debt
review, administration or sequestration. Self-employed and
commission-only applicants do not meet the current employment
criteria. Meeting the minimum indicators does not guarantee
approval.
Straight answers
Before you apply.
Understand the structure, criteria and process before sharing documents or making a commitment.
What is a debt consolidation loan? +
It combines multiple qualifying debts into one loan with a single monthly repayment, making your commitments easier to manage.
What types of debt can be consolidated? +
Qualifying credit cards, personal loans, store accounts and short-term loans may be considered.
How much can I apply for? +
Loan amounts currently range from R30,000 to R500,000, subject to affordability and your credit profile.
Does the initial assessment affect my credit report? +
The initial assessment does not involve a formal lender credit check. If your application is suitable for submission, the formal credit-check step is explained before proceeding.
What documents are required if I qualify? +
A clear copy of your ID, proof of residence not older than two months, your latest three months’ bank statements and your latest payslip are required.
Is debt consolidation the same as debt review? +
No. A consolidation loan is a credit product that combines debts. Debt review is a separate formal debt-management process regulated by law.
What interest rate will apply? +
The current indicative range is 20%–30%, depending on your financial profile. The lender discloses the applicable rate, fees and terms before you accept an offer.
Is any upfront payment required? +
No upfront payment is required for the initial assessment. Any loan-related costs are disclosed by the lender as part of an offer and apply only if you choose to proceed.
Move with clarity
Find out whether consolidation fits.
Complete the initial assessment. A consolidation consultant will contact you by telephone or WhatsApp to review whether you meet the minimum criteria and explain the next step.
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Free initial assessment
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Secure online form
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No obligation