If you are overwhelmed by several credit accounts, rising interest rates, and scattered monthly payments, our loan consolidation assistance service can help you bring everything together. By combining multiple debts into a single structured repayment plan, you simplify your financial life and create a clear path toward stability.
Loan consolidation assistance is designed for South Africans who want predictable payments, improved cash flow, and a more manageable monthly budget.
With consolidation, you no longer need to track multiple due dates. Everything is streamlined into a single repayment that fits your budget.
By restructuring your debts, you may reduce your instalment, giving you more breathing room each month. Additionally, this improves your ability to manage everyday expenses.
A consolidated plan provides clarity about how much you owe and when you’ll finish paying it off. This makes budgeting far easier and reduces the emotional pressure of juggling multiple debts.
Because consolidation replaces scattered, high-fee accounts with one structured repayment, many people reach financial stability sooner.
With fewer accounts to manage, you can focus on building healthier financial habits and avoid falling back into debt.
Interest Rates and Fees Interest rates (APR) charged by third-party lenders vary based on your individual risk profile, typically ranging from a minimum of 20% to a maximum of 28.25% per annum. Repayment terms are flexible and can extend up to 72 months depending on the agreement with 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 |
