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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
- 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
- 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.
Overdrafts
We can offer a payment plan where the outstanding arrear amount is split across up to 3 months.
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 solutionsReady to put a solution in place or need advice?
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