Rating based on 12 reviews

My Financial Help

  • Consolidation loans up to R8,000
  • Low-interest starting from 28%
  • Repayment up to 5 years

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My Financial Help homepage
Author My Financial Help. Screenshot of My Financial Help website.
[Accessed January 24, 2023]

About My Financial Help

My Financial Help offers many services from debt consolidation to credit help.

Blacklisting refers to any negative information in your credit history which they can assist to remove. They offer this service free of charge.

How My Financial Help can assist you

Their debt consolidation services are a huge help in managing your finances. Consolidating debt means bundling several loans into one. This is how they offer one affordable payment each month. You’ll have fewer accounts to manage.

Consolidating your loans by apply for a debt consolidation loan will leave you with fewer account fees and a more affordable interest rate.

It also allows you to save money as you’re not paying several interest rates. Their debt consolidation service is there to help you, any day of the week at any hour.

My Financial Help’s Wellness Program

Their wellness program is not about your health but your finances. They want you to know the importance of a healthy credit score and credit report.

These have a huge effect on your life. They provide advice and tips to encourage positive financial behavior and habits. The purpose of these are to positively impact your life. Financial wellness is an essential part of life.

My Financial Help Services

Typically, their repayment period ranges from 2 to 5 years for personal loans.

They offer debt consolidation loans as a speciality. They’ve built relationships with lenders and banks to make consolidation easier for you.

They offer wellness programs, free workshops for debt management, and they remove negative information from your credit history. Many of their services are free for your convenience.

They don't want to lead you into unnecessary debt, but they want to lead you out of it. Their quality programs have already helped so many clients.

The National Credit Act gives you the freedom to remove any blacklisting as long as your accounts are settled and up to date. Their privacy policy provides full details on how you, the client, are protected. Their policy gives you full disclosure on credit acts, laws, and consumer protection for your peace of mind.

Loan consolidation from My Financial Help

The process of taking all of your agreements and bundling them into one is easy with My Financial Help. They reduce your total monthly payment and allow you to stretch the repayment period over 5 years.

Remember that even though you’ve combined all of your accounts into one, the individual personal loans and accounts do not close automatically. Monthly fees will keep your account open, so be sure to manually close accounts after consolidating. You don't want to create unnecessary debt by keeping useless accounts active.

My Financial Help – Consolidation loan

  • Loan Type Consolidation loans
  • Interest Rate from 28%
  • Loan Amount up to R8,000
  • Repayment 2 years to 5 years

Benefits of My Financial Help

  • Short-term loans up to R8000
  • Affordable debt consolidation
  • Unsecured credit

Their popular unsecured credit

My Financial Help provides its clients with three types of unsecured credit.

Unsecured credit is taking out a quick loan without an asset set as collateral. These are the most common types:

Unsecured credit facilities - these are facilities that can be used continuously provided payments are made regularly. They usually have low-interest rates and a maximum interest of the current repo rate plus 14%. There is only an initiation fee when the loan is taken out. Examples:

  • Credit cards
  • Store cards
  • Overdrafts
  • Revolving credit plans

Unsecured credit - these are typically personal loans. The full amount of the loan is given to clients and repayments are made monthly at a fixed rate. The maximum interest is the current repo rate plus 21%.

Short term credit - these loans are less than R8 000 and usually taken out for a period of 6 months or less. These are payday loans that My Financial Help offers and they usually have higher interest.

My Financial Help extras

They offer an abundant array of services from loans and advice, to books, and free calculators. These services aim to help improve your financial know-how and get you out of debt.

Their free loan calculator

If you’d like to calculate your installment, know how long it will take to pay a loan back, or see a month by month breakdown, their online calculator is just what you need. You just need to fill in some information including your personal details, contact information and loan needs.

Their free Ebook

They provide their clients with a free Ebook detailing the 8 crucial steps to get a loan approved. Just fill in some personal information. Download your Ebook and enjoy some quality reading as well as tips and tricks.

Customer Reviews & Testimonials

April 2020

I received consolidation services and financial help.

Calvin H
— Pretoria —

August 2020

The consolidation process was much easier than I thought it would be.

Amber R
— Grahamstown —

July 2020

My Financial Help consolidated my loans quickly and effortlessly.

Realeboga L
— Cape Town —

My Financial Help Contact

Contact Number


  • not available


Physical Address

  • 3 Cutter Cl, Blouberg Sands Cape Town Western Cape 7441 South Africa
  • Get Directions

Opening Hours

  • not available