Rating based on 32 reviews


  • Get out of debt
  • Low-interest starting from 20%
  • Repayment up to 60 months

In-page navigation

Debt.co.za homepage
Author Debt.co.za. Screenshot of Debt.co.za website.
[Accessed January 24, 2023]

About Debt.co.za

Debt is an unfortunate part of life. The economy in South Africa has seen better days and, unfortunately, the citizens are feeling it.

So if you found yourself in a bit of debt do not allow it to bother you too much. These types of things happen which is why Debt.co.za exists – to help those who find themselves in these scenarios.

Who is Debt.co.za?

Debt.co.za is a dedicated debt solutions provider that focuses on enabling South Africans to live the lives that they dream of. Debt is unavoidable but when it starts to take over your life and prohibit you then it is time to seek help. Debt.co.za is there for times like that. They offer a variety of debt recovery items that are all beneficial. The product that they advise will depend greatly on your individual situation.

Are they a broker?

Debt.co.za is a type of broker – that focuses on debt solutions. This means that they have a list of reliable and trustworthy lenders who are able to provide finance to those who want to engage in debt recovery. They select a lender based on the information you place in your online loan application form. If you are not happy with the lender that they have selected, then you can request that they keep on trying. You are the client and they will not rest until you are completely satisfied with their service.

Debt.co.za Services

There are many different types of debt recovery options that are useful for different situations.

But it does not help to cure the consequence without treating the problem which is why they also provide money management education.

Debt consolidation for all your debt problems

If you are currently juggling multiple debts and simply cannot keep up then a debt consolidation loan sounds like the best option. A debt consolidation loan is one large loan that is used to repay all the smaller debts you have – credit cards, store cards, short-term loans. Now, instead of paying a lot on many small debts, you will pay less on a larger debt. This does not only get the creditors off your back but it also frees up a large amount of cash flow.

How to correctly manage your debt

Money management is a skill that needs to be learnt. If you are not able to budget and work correctly with your money, you will likely find yourself back in debt. However, we are not willing to allow that to happen which is why we also provide money management advice. You will learn from the plans that they put in place to help manage your funds and apply these same strategies to your everyday life. There is a learning curve but, in time, you will become quite good at it and see it is not as bad as you expected.

Debt.co.za – Consolidation loan

  • Loan Type Consolidation loans
  • Interest Rate 2027.5% p/a
  • Repayment 12 months to 60 months

Benefits of Debt.co.za

  • Debt counselling
  • Financial advice
  • Debt review

Debt.co.za can help you get your finances back on track

It is easy to stumble off the path and lose your way but Debt.co.za is here to help you back onto your feet.

But in order to get back up onto your feet, you first need to complete the application so that they know how to approach the situation.

Complete their application form

Their application form is quick, easy, and simple. You do not need to take time off work, you just need a device that has Internet connectivity and you can complete the application from wherever you are. It is honestly that easy!

Make use of their online calculator

Their online calculator can assist you with money management. Simply input your current income and expenses and see how you are doing. If you are over budget then it is time to review your lifestyle. You can always give them a call and they will help you find the root of the problem.

What is the worst that could happen?

The worst that can happen is that you declare yourself insolvent and your assets are given up for sequestration. When this happens everything is sold to repay the creditors. But this is normally only the case when the debt will take more than ten years to repay. But, do not worry, they will not allow matters to reach this point.

Customer Reviews & Testimonials

May 2019

I thought that I would never escape the debt trap. I thought that it was too late. But Debt.co.za taught me otherwise and I am now on the road to recovery.

Carla M
— Johannesburg —

September 2019

I did not want to admit that I had a debt problem but I am so glad that I did. I am not better informed and plan to take better care of my finances.

Chalizma B
— Krugersdorp —

Debt.co.za Contact

Contact Number


  • not available


Physical Address

  • 5th Floor, 11 Adderley St Foreshore Cape Town 8001 South Africa
  • Get Directions

Opening Hours

  • not available