Understand
Use the calculators to make sense of your current position.
Clear numbers. No pressure.
Turn several debt payments into one clearer plan.
See what you owe, estimate one repayment and decide whether speaking to one of our Financial Assessors makes sense.
Free to use, no account needed, and assessed by our own team.
Transparent estimate
See one possible repayment
An illustration using 21% a year, a R1 207,50 initiation fee and R69,00 monthly service fee.
Illustrative proposed repayment
R4 023,55
- One payment, one date
- A repayment that fits your budget
- Terms from 12 to 72 months
Illustration only, using 21% a year plus the fees shown. Not a quote or offer. Actual rates, fees, terms and repayments depend on a registered credit provider's assessment.
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Get the facts before you decide.
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Common debt situations.
Four realistic examples show how repayments, household costs and credit decisions can change the next step.
Income pressureWhen R35 000 a month still is not enoughAffordability depends on income, essential expenses and existing debt commitments together.Read the example Multiple debtsFive debts, five debit orders and one expensive monthOne payment does not automatically mean cheaper debt.Read the example Cash-flow shortageI need R5 000 for groceries. Should I take another loan?Needing credit for essentials can be a warning sign that existing repayments are no longer sustainable.Read the example Rate pressureWhen higher interest rates push a tight budget over the edgePeople can become over-indebted gradually when rates, living costs and repayments move together.Read the example
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Questions worth asking.
Straight answers from the guide library, written for decisions people make before they apply.