Consolidate Loans & Simplify Payments

Consolidate Your Loans
in South Africa

Bring your debts together.
Bring your finances back under control.

Bring your debts together.
Bring your finances
back under control.

Consolidate Your Loans in South Africa

Bring your debts together.
Bring your finances
back under control.

Consolidate Your Loans in South Africa

WHY CHOOSE US

We focus on:

We are here to offer a consolidation journey built on trust, clarity, and empowerment.

One Single Payment

Stop juggling multiple due dates. We help you consolidate your store accounts, credit cards, and personal loans into one clear, manageable monthly instalment.

Cutting Costs

High interest rates and multiple admin fees eat away at your salary. Consolidation can lower your total monthly costs, leaving more money for school fees and household essentials.

Ending Creditor Pressure

Don’t let your phone be a source of anxiety. By consolidating your debt repayments through licensed NCR providers, you replace late-payment notices with a structured path to freedom.

Rebuilding Your Credit Health

Consolidation is the first step toward a better score. Replace “missed payment” risks with a consistent history of on-time repayments to secure your family’s future.

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Benefits of Consolidating Loans

Consolidating your debts into one repayment can be beneficial in several ways:

Simplifies your budget with one predictable payment.
Reduces administrative fees linked to multiple accounts.
Lowers monthly payments based on your financial profile.
Enhances cash flow for essential expenses.

Assistance Rate 92%

01.

Loan Consolidation
02.

Credit Health & Monitoring
03.

Debt Management

HOW LOAN CONSOLIDATION PROCESS WORKS

When you apply to consolidate debt, you list the accounts you want to settle. Once approved:

01. You receive confirmation from your creditors.

02. Your previous debts are replaced with one consolidated payment.

03. Your listed debts are settled.

Of the consolidation applications received assistance or actionable advice which improved their financial position.

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Understanding the Cost of Consolidating

When you consolidate debt, all your accounts are restructured into a single repayment term

As a result, you gain a clearer picture of your financial commitments. If this new term is longer than your original debts, your monthly instalment becomes more manageable — but you may pay more interest over time.

That’s why we help you find the right balance between:

A comfortable monthly instalment.
A repayment term that keeps long-term costs reasonable.

0K

Clients Assisted

145 Points

Average Credit Score Increase

0K

Consultations

0B

Total Debt Consolidated

TESTIMONIALS

What our clients think about us

"As the main provider for my family, the pressure of school fees plus rising loan interest was keeping me up at night. The team at Debtfreesa didn't just consolidate my debt; they gave me a plan that protects my home and stopped the constant creditor calls. My family’s future feels secure again."

Sipho N., Durban
"I was drowning in store account notifications and different debit order dates every month. Debtfreesa helped me bring everything into one payment that actually fits my salary. Now I can finally breathe and focus on my career without the constant ping of payment reminders."

Lerato M., Johannesburg
"I had taken on too many small loans and didn't see a way out. Debtfreesa educated me on how my credit score actually works while helping me consolidate my debt. Watching my credit health improve month by month has given me the fresh start I never thought was possible."

Zuko T., Cape Town
"What I appreciated most was the transparency. No jargon and no hidden surprises—just clear guidance from people who actually understand the financial pressures we face in South Africa. They treated me with respect from the first assessment to the final settlement."

Annelize S., Pretoria