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Overview
Many South Africans struggle with managing their debt, and this can have stressful and lasting effects. Combine your debts into a single, affordable, monthly payment, receive immediate legal protection, and improve your cash flow.
Register or log in to view the products available to you. These will be based on your credit score, among other factors. To take control of your debt, click the View Offer button. Your interest in paying your debt will be noted, and a qualified financial adviser will call you to discuss your options. The assessment is non-obligatory and it’s FREE.

Key features
Free up your cash flow
Make one consolidated monthly payment
Stop creditors hassling you
Save on interest and fees
Quick guide
Guide to debt rehabilitation solutions
Debt counselling combines your monthly repayments, leaving you with one instalment per month. Reduced payments and interest amounts will be negotiated with your creditors on your behalf.
How is debt consolidation different from debt counselling?
Know the difference between debt consolidation and debt counselling. Which financial solution is the right one for your needs?
What would life be like without massive debt?
We have a look at the distinction between having debt and being overindebted, and we consider some tips on how to alleviate financial strain.
How can debt counselling keep creditors away?
While you are under debt counselling, creditors are not allowed to contact you, leaving you with a measure of peace while we help you resolve your debt.
Articles and insights

Will debt consolidation ruin your credit reputation?
04 April 2022 · Harper Banks
If you’ve been struggling to juggle your credit obligations, you may be considering debt consolidation. However, what would this mean for your credit score? We find whether there are any implications.

How can debt counselling keep creditors away?
17 October 2021 · Joshua White
Among the many benefits of debt counselling is its ability to keep creditors from hounding you, leaving you with some measure of peace while you figure out how to repay your debt.

Unsecured debt 101: Use it responsibly
11 July 2021 · Athenkosi Sawutana
The emergence of COVID-19 has dramatically changed our lives. The financial impact has been sweeping and has resulted in massive job losses, business closures and salary cuts.

Shopping showdown: Where to buy your groceries
17 March 2021 · Athenkosi Sawutana
Food is becoming prohibitively expensive in South Africa. In January, StatsSA released a study showing that food and non-alcoholic beverages are some of the biggest contributors to inflation.

Which debts can you include in your consolidation loan?
15 March 2021 · Isabelle Coetzee
When you start debt consolidation, you will have the opportunity to bundle all your outstanding debts into a single debt. But which debts are you allowed to include in this process?

How is debt consolidation different from debt counselling?
25 February 2021 · Isabelle Coetzee
If you’re struggling to manage your debt and you decide to seek help, you will likely come across the terms “debt counselling” and “debt consolidation”. Although they sound like synonyms, these are two separate...

Can a personal loan save you money?
16 February 2021 · Athenkosi Sawutana
A personal loan can be a useful tool to achieve your financial goals. It can help pay for your children’s education, house renovations, and medical expenses. But can it be used as a tool to save you money?
Debt levels reach beyond 80% in consumer group
17 December 2020 · Staff Writer
In a bid to find out how indebted South Africans are, JustMoney conducted a survey that attracted 190 respondents. The survey was conducted in November 2020, and every participant had 13 questions to answer.

What scares you about your finances?
08 October 2020 · Athenkosi Sawutana
Finances can be anxiety-inducing. If money matters keep you up at night or make your brow sweat, know that you are not alone. JustMoney spoke to some of our readers about their financial fears. The information below may help to ease these anxieties.
Videos and podcasts you may enjoy
How does your heritage affect your approach to finances? Part 2
September marks a month where South Africans celebrate their heritage. It’s a time to consider where we come from, weed out the things that fail us, and water the seeds that might prove helpful for our future finances. Part 2 of 2
How does your heritage affect your approach to finances?
Do you know what role your heritage plays in your finances? Check out our latest video and listen to what some of our followers had to say about their approach to money as a result of their upbringing.
What scares you about your finances?
Finances can be anxiety-inducing. If money matters keep you up at night or make your brow sweat, know that you are not alone. We spoke to readers about their fears.
Reduce your debt burden!
Free up your cash flow. Make one consolidated monthly payment. Stop creditors hassling you. Save on interest and fees.