If you are overwhelmed by rising interest rates and scattered payments, our debt consolidation loans help you bring everything together without formal debt review. By combining multiple debts into a single monthly instalment, you simplify your finances and secure a clear path to stability.
Apply for a consolidation loan designed for South Africans seeking predictable payments, better cash flow, and a strict budget.
With consolidation, you no longer track multiple due dates. Everything is streamlined into a single repayment.
By restructuring your debts, you reduce your instalment, giving you more breathing room to manage everyday expenses.
A consolidated loan provides clarity on what you owe, bypassing the legal restrictions of being under debt review.
Consolidation replaces scattered, high-fee accounts with one structured loan, helping you reach stability sooner.
With fewer accounts to manage, you can focus on building healthier habits and avoid falling back into debt.
Interest rates (APR) charged by third-party lenders vary based on your risk profile, typically ranging from 20% to 28.25% per annum. Repayment terms are flexible, extending up to 72 months depending on the credit provider.
Loan amount |
R250 000 |
Loan term |
72 |
Interest rate (APR) |
24% |
Service fee |
R69 |
Initial fee |
R1 207.50 |
Total repayment |
R535 181.76 |
Credit insurance |
R1 004.83 |
Monthly instalment |
R7 433.08 |
Loan amount |
R150 000 |
Loan term |
60 |
Interest rate (APR) |
24% |
Service fee |
R69 |
Initial fee |
R1 207.50 |
Total repayment |
R291 012.86 |
Credit insurance |
R604.83 |
Monthly instalment |
R4 850.21 |
