Don’t have your Nedbank ID yet?
Nedbank ID single sign-on gives you full digital access to Nedbank’s banking and lifestyle products and services on the Money app or Online Banking.
Log in
Log in to Online Banking or another one of our secured services.
Get in touch
Find us
- Login & Register
- Online Banking
- Online Share Trading
- NetBank Business
- NedFleet
- Nedbank Greenbacks
- Nedgroup Investments
- Nedbank ID
- Bank
- Accounts
- Credit cards
- Digital banking
- Switch to Nedbank
- Fraud awareness
- Forex
- Greenbacks
- Explore Bank
- Accounts
- Everyday banking
- Kids accounts
- Youth banking
- Seniors accounts
- Private Clients
- Private Wealth
- Digital wallet
- See all accounts
- Premium banking
- Get help choosing
- Goal saving
- Family Banking
- Refugees and asylum seekers
- FAQ
- How-to guides
- Discontinued accounts
- Everyday banking
- MiGoals Premium
- MiGoals Plus
- MiGoals
- Kids accounts
- MiGoals4Kids
- Youth banking
- MiGoals Premium
- MiGoals
- MiGoals Plus
- Seniors accounts
- MiGoals Premium Senior
- MiGoals Plus
- Private Clients
- Pay-as-you-use
- Young Professionals
- Private Bundle and Private One
- Private Wealth
- Private Wealth Bundle
- Digital wallet
- MobiMoney
- American Express
- Amex Gold
- Amex Platinum
- Digital banking
- Switch to Nedbank
- Fraud awareness
- Send and receive international payments
- Safe and secure incoming international payments
- Secure outgoing international payments
- To Africa
- Greenbacks
- Exclusive discounts
- FAQ
- How-to guides
- Save & Invest
- Accounts
- Investment services
- Share trading
- Explore Save & Invest
- In 24 hours
- JustInvest
- PlatinumInvest
- Tax-free Savings
- MoneyTrader
- EasyAccess Fixed Deposit
- PrimeSelect
- In 32 days
- Electronic 32Day Notice
- 32Day Notice
- End of term
- Tax-free Fixed Deposit
- Electronic Fixed Deposit
- Electronic Optimum Plus
- Platinum Fixed Deposit
- Fixed Deposit
- OptimumPlus
- Investment services
- Share trading
- Borrow
- Personal loans
- Home loans
- Student loans
- Overdrafts
- Vehicle finance
- Solar finance
- Debt assistance
- Explore Borrow
- Personal loans
- Loan consolidation
- Secondhand car loan
- Home improvement loan
- Exclusive short-term loan offers
- Explore loans
- FAQ
- How to guides
- Loan consolidation
- Secondhand car loan
- Home improvement loan
- Exclusive short-term loan offers
- Home loans
- Building loan
- Switching home loan
- Repossessed properties
- Start your home buying journey
- Solar-energy Finance
- Earn R32,000 p/m or less? See offer
- HomeVision extra funds
- Home-buying Toolkit
- Managing your home loan
- Explore home loans
- FAQ
- How to guides
- Track application
- Building loan
- Switching home loan
- Repossessed properties
- Start your home buying journey
- Solar-energy Finance
- Earn R32,000 p/m or less? See offer
- HomeVision extra funds
- Home-buying Toolkit
- Managing your home loan
- Student loans
- Explore student loans
- Overdrafts
- Vehicle finance
- Solar finance
- Debt assistance
- Consolidate all your debts into a simple loan | Nedbank
- Short-term payment relief | Nedbank
- Take charge and restructure your finances | Nedbank
- Assisted-sales solutions for homes and vehicles | Nedbank
- Flexible payment plans for loans and credit | Nedbank
- Understanding how repo rate works | Nedbank
- Consolidate all your debts into a simple loan | Nedbank
- Short-term payment relief | Nedbank
- Take charge and restructure your finances | Nedbank
- Assisted-sales solutions for homes and vehicles | Nedbank
- Flexible payment plans for loans and credit | Nedbank
- Understanding how repo rate works | Nedbank
- Insure
- Life cover
- Funeral cover
- Short term insurance
- Credit Life
- Travel insurance
- Business cover
- Secure investments
- Explore Insure
- Life cover
- Get a call back
- Explore MyCover life
- Funeral cover
- Individual R10,000
- Individual R30,000
- Family Cover
- Build your own cover
- Get a call back
- Explore MyCover Funeral
- Individual R10,000
- Individual R30,000
- Family Cover
- Build your own cover
- Short term insurance
- Vehicle insurance
- Building insurance
- House contents insurance
- Valuables insurance
- Valuables insurance
- Get a call back
- Explore MyCover short term insurance
- Vehicle insurance
- Building insurance
- House contents insurance
- Valuables insurance
- Valuables insurance
- Credit Life
- Home loan credit life
- MFC Vehicle Finance Assurance
- Overdraft Assurance
- Balance Protection Plan
- Personal loan Assurance
- Get a call back
- Explore credit life
- Home loan credit life
- MFC Vehicle Finance Assurance
- Overdraft Assurance
- Balance Protection Plan
- Personal loan Assurance
- Travel insurance
- Business cover
- Secure investments
- Guaranteed Growth Income Plan
- Guaranteed Growth Plan
- Get a call back
- Explore MyCover Funeral
- Guaranteed Growth Income Plan
- Guaranteed Growth Plan
- Plan
- Financial planning
- Estate, wills & trust services
- Nedbank Private Wealth
- Speak to a financial adviser
- Explore Plan
- Financial planning
- Investment planning
- Insurance planning
- Give
- Retirement planning
- Investment planning
- Insurance planning
- Give
- Retirement planning
- Estate, wills & trust services
- Will drafting
- Ensure your estate is managed by an executor | Nedbank
- Trust services
- Financial accounting
- Tax services
- Leave the admin of your estate to us, and not to your loved ones | Nedbank
- Will drafting
- Ensure your estate is managed by an executor | Nedbank
- Trust services
- Financial accounting
- Tax services
- Leave the admin of your estate to us, and not to your loved ones | Nedbank
- Nedbank Private Wealth
- Speak to a financial adviser
- Learn
- Blog
- Explore Learn
- Blog
- Contact us
- Talk to us
- Find us
- Explore Contact us
- Talk to us
- Find us
What situation can we help you with?
I'm struggling to make payments
I can’t make my payments this month or have missed a payment
I can’t make my payments for the next three months or longer
I need a fresh start by downgrading my home or vehicle
Struggling to make payments?
Here are some supportive solutions to help you regain control of your finances.
Restructures
By extending your repayment period, you could lower your monthly instalments and enjoy some breathing room to meet your financial obligations. Restructures are available on home loans and vehicle finance.
Find out moreDebt consolidation
If you have multiple smaller loans with multiple creditors, you may want to consolidate them into one loan, this allows you to make one monthly payment and save on fees.
Find out more
I can’t make payment this month or have missed a payment
Short-term payment relief
We may be able to offer you the flexibility to take a break from making home loan payments for up to 3 months, giving you some time to recover financially.
Find out moreDebt consolidation
If you have multiple smaller loans with multiple creditors, you may want to consolidate them into one loan. This allows you to make one monthly payment and save on fees.
Find out morePayment arrangement
Instead of paying your missed payments in one large sum all at once, we’ll work out a payment plan and spread out the payments over a few months to make it more manageable for you. Payment arrangements are available on home loans, vehicle finance, student loans, overdrafts and credit cards.
Find out moreRestructures
By extending your repayment period, you could lower your monthly instalments so that you can meet your financial obligations. Restructures are available on home loans and vehicle finance.
Find out more
I can’t make payment for the next 3 months or longer
Short-term payment relief
We may be able to offer you the flexibility to take a break from making home loan payments for up to 3 months, giving you some time to recover financially.
Find out moreAssisted sales
If you need to sell your home or vehicle, we’re here to help you get the best possible price. This offer is available for MFC and home loan clients.
Find out more
Assisted Sales
If you need to sell your home or vehicle, we’re here to help you get the best possible price. This offer is available for MFC and home loan clients.
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.
Call me back for debt assistance
Let us call you within 48 hours to help you with a personalised solution.
Success!
Thank you!
We have received your request. We will be in touch within 48 hours to assist.
When to ask for debt counselling?
If you answer ‘Yes’ to any one of these three questions, you may need to speak to a debt counsellor.
- Do you have multiple loans with different creditors, for example, home, car and personal loans as well as multiple credit and store cards?
- Are you struggling to keep up with your monthly loan repayments, even though you earn a regular income?
- Are you behind on a number of your credit or loan account payments?
4 ways to take control of your financial situation
1. Assess the situation:
Start by calculating all your debt. Review your income, expenses, and savings to get a clear picture of where you stand financially.
2. Review your budget:
Take a close look at your budget, which is simply your spending plan. Identify areas where you can reduce expenses or reallocate funds to make room for higher debt repayments. It’s important to prioritise essential expenses and consider cutting back on your non-essential spending. Monitor and adjust: Keep a close eye on your financial progress and adjust it as needed. Stay proactive in managing your debt. Assess your budget regularly and use any available extra money to reduce your debt. Every rand you save can go a long way.
3. Becoming debt free:
Once your financial situation improves you may find yourself with a little extra cash, use this to start your journey to being debt free.
4. Low hanging fruit:
If you have some debt that is almost paid up, why not pay these debts off first.
- Rank your rates: Consider paying your extra funds into your debt that charges the highest interest rate before paying extra into those longer-term debts. e.g., pay off your personal loan which charges a high interest rate before paying extra money into you home loan which is normally one of your lowest rates.
- Make your extra money work for you: If you have paid off a debt, don’t consider that extra cash as extra spending money. Rather take what you were paying off on those settled debts and add that to the payment of the next debt in your hit list. Before you know it, you will be reducing your debt at a lightning-fast pace and be well on your way to being debt free.
Remember: Taking these steps and staying on top of your finances can make a real difference in easing the burden and getting your financial situation back on track and staying on track. You’ve got this!
Learn more about interest rates.