Benefits of payment arrangements


A payment arrangement will allow you:

  • Breathing room to recover your financial situation,
  • catch up on your payments over an extended period, and
  • maintain a good credit profile 


Drawbacks of payment arrangements


  • You will pay more interest  and fees over the longer term as a result of the extended term or reduced instalment.

Types of arrangements that can be made

Home loan, vehicle and asset finance, and personal loans

Home loan, vehicle and asset finance, and personal loans

  • You can settle your total arrears by paying extra over and above your monthly instalment. 
  • We can offer you a short-term arrangement plan, that would require monthly contributions toward your total arrears. 
  • We can offer you the option to pay your full or reduced instalment only for a short period while you recover from your financial situation.


Credit Cards

Credit Cards

  • You can pay less than the instalment amount due for one month. Then you will continue paying the minimum amount due.
  • We can offer a special arrangement that can last up to 60 months. If you choose this option, the card facility will be cancelled.

** If your card balance exceeds R100 000, you will need to complete an asset-and-liability schedule. If you do not bank with us, we will need your 3 months’ bank statements to complete a credit assessment.



We can offer a payment plan where the outstanding arrear amount is split across up to 3 months.

Student loan

Student loan

  • We can offer to extend the repayment term in line with the contract to reduce the repayment amount.
  • We can offer you and arrangement between 3 months and depending on your financial circumstances for a maximum of 12 months.

Looking for more solutions or services?

More solutions

Ready to put a solution in place or need advice?

Call your banker

If you have a relationship banker or business banker, you can get in touch with them directly or call us on 0861 100 033. 

No banker?

Call us on 0801 114 949.

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