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Debt consolidation is the process whereby we consolidate your debt which is owed to multiple credit providers into a single loan. This allows you to pay one monthly payment at reduced interest rates, dependent on affordability.

• You will have a single loan repayment for your existing loans.
• You can reduce your monthly total repayment amount and therefore improve your financial credibility.
• You will only have to pay monthly administration fees on a single loan.
• You will only have to pay monthly insurance costs on a single loan.
• You will benefit from negotiated settlements on existing debt.
• You will be able to choose your loan repayment period.
• You can look forward to getting out of debt faster.
• One affordable loan allows you to maintain a healthy credit profile.

If your monthly debt repayment expenses are higher than what you can afford, we help you by restructuring multiple loans into one monthly loan with lower interest rates and with the option to extend the repayment period.

To be eligible for our consolidation loan:

• You will need to be permanently employed.
• Your employer will need to be on our list of approved employers. 
• You will need to be a South African citizen.

• You will have access to an ongoing financial credibility report.
• Our Financial Credibility Partner will provide you with coaching and support.
• Your consolidation loan is insured in the event of your retrenchment, disability or death.
• You will need to be a South African citizen.