Benefits of debt consolidation


  • Only 1 loan to repay every month for improved financial control.
  • Reduced monthly repayments.
  • Only 1 service fee to pay, which can save you money.
  • The new loan may be at a better overall rate than your various debts.


Drawbacks of debt consolidation


  • Your current creditworthiness may impact the qualifying amount and interest rate charged.
  • You may not qualify for a favourable amount when you compare it to your current debt exposure due to your creditworthiness.

How to proceed



  • Apply online here
  • Call us on 0801 114 949
  • Fill in the 'Call me back' form below and we will get back to you
What we need from you:

What we need from you:

  • Proof of income.
  • Latest 3 months’ bank statements
  • Copy of your ID.
What we will do

What we will do

  • We’ll make you an offer based on what we know you can afford. You can either accept it or change the loan amount.
  • Once approved, we’ll release the money to settle your accounts.


Use our loan calculators to see what works for you

Combine your loans into 1 and pay less each month with a fixed interest rate and 1 monthly repayment. You can even apply for extra cash if you need it.
Loan 1 details
What type of loan is it?
Amount you still owe tooltip text
Loan 2 details
What type of loan is it?
Amount you still owe tooltip text
Loan 3 details
What type of loan is it?
Amount you still owe tooltip text
Add another loan
Add another loan
This is another personal loan that will be added
How much do you need? tooltip text
Get extra cash
What’s your preferred repayment term?

  • 6
  • 12
  • 24
  • 36
  • 48
  • 60
  • 72
Include insurance in your repayment tooltip text
Total amount



How much you’ll pay back each month tooltip text


How much you’ll be saving tooltip text

A single, easy to manage instalment will mean you spend less each month on fees.

Example interest rate tooltip text



On average, South Africans pay interest of 18% to 25.75%. We’ll offer you an interest rate based on your payment history and risk profile.

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.

We will call you

Complete the form below and we'll call you back within 48 hours.


Looking for more solutions or services?

More solutions

Call me back for debt assistance

If you already have a loan(s) with us and are struggling to make payment, please complete the form below.

If you do not need assistance with your existing debt with us and are looking for help with taking up a new loan, find the best solution here.

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Thank you!

 We have received your request. We will be in touch within 48 hours to assist.