Rating based on 9 reviews


  • Reliable debt solutions
  • Free assessments
  • Repayment up to 84 months

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Negociate homepage
Author Negociate. Screenshot of Negociate website.
[Accessed January 24, 2023]

About Negociate

Negociate is a leader in the debt solution industry. They offer a great selection of debt consolidation loans and tailor-make debt solution plans to suit your every need.

With South Africa’s debt problem increasing at an alarming rate, the founders of Negociate stepped up to help solve the issue. Founded on solid principles, they have provided sound debt assistance for many years.

What Negociate believes in

Negociate has sacred principles at the heart of their work. They’ve declared war on debt in South Africa, and their company is dedicated to relieving it.

Their main goals are as follows:

  • Providing the means for their clients to get rid of their debt.
  • Providing advice on any topic surrounding debt and avoiding it.
  • Providing debt review to make sure their clients don’t slip back into debt.
  • Ensuring that all transactions are processed fairly and properly, for your benefit.

With such a well-rounded set of standards, why look to anyone else for your debt-related needs.

Negotiate works with you

Negociate prides itself on being a company that helps their clients grow. Instead of a company that fixes your problem and sends you on your way after you've consolidated your debt, Negociate sticks around. They stay in contact and review your debt situation throughout the year.

With annual reviews and advice, you’ll never slip back into debt again. You’re even able to get as much as 20% off of early settlements through their services! Those kinds of savings are difficult to come by, especially when it comes to debt solution programs and loan repayment.

Negociate Services

Negociate always stays ahead of the curve.

They strive to grow with the times and adapt themselves to all modern technology and other advances. By doing this, they ensure that they can keep giving you the same great service.

Negotiate even offers an open-access blog, filled with informative articles and advice. This is all part of their mission statement to help spread knowledge about debt and avoiding it. You can also talk to a consultant online for more information about their innovative services.

What can you really get out of working with Negociate?

As one of the leading debt solution companies in the industry, Negotiate has had plenty of time to stream line their processes. They have become experts on removing the obstacle of debt from your busy life.

They pride themselves on having no hidden costs or upfront charges. You can even get a free assessment, which is part of the application process. They review your affairs to ensure that you’re in need of debt assistance, and then they give you access to their wide panel of benefits.

Negotiate offers the following services:

  • Debt consolidation, settlement, management, and review
  • Bond consolidation
  • Credit solutions

These services all cover a wide arc of functionality. Any issue you may have come into during your financial life can be resolved fairly quickly with Negociate. Their program and services will remove the obstacle of debt, repair any damage, and send you on your way with more financial savvy than ever before.

Negociate – Consolidation loan

  • Loan Type Consolidation loans
  • Repayment 84 months

Benefits of Negociate

  • Lower interest rates
  • Increase your cash flow
  • A simple loan application

How to apply for Negociates services

Applying for Negociate’s services takes a mere 5 minutes, with total approval in 24 hours or less.

One unique factor about the Negociate online loan application process is that you can only qualify if you understand fully how the process works.

Negociate assigns one of it’s friendly staff to your case, and they educate you on their debt resolution programs. After you fully understand how the process is going to work as you go forward, Negotiate can begin fixing your debt problem.

Misunderstanding finance is often what caused the issue of debt in the beginning. Negociate believes that educating their clients will remove the possibility of getting back into unmanageable debt.

How the application works

Negociate requires the following from you when you are applying for their debt solutions:

  • Full name and surname
  • Mobile number and email address
  • Debt consolidation loan amount
  • Current full installment size
  • Combined living expenses
  • Income after deduction
  • ID number

With this information, Negotiate can determine what you’ll need to fix your debt issues. Once they know this, they structure a plan that will bring your debt under control in no time.

Negociate puts together a payment plan that essentially leaves you with your necessities every month, and funnels more of your income into removing your debt. Often, companies like Negociate can free even the worst cases from debt. The assessment is pre-qualification for your debt solution application.

What Negociate clients have access to

Various benefits are available to Negociate clients, above and beyond advice.

With benefits like:

  • Lower repayments
  • Flexible terms
  • Fixed installments
  • Increased cash flow

How could you possibly go wrong with Negociate?

They even come up with a plan that perfectly suits your budget. With the kind of care you’ll receive from them, you’ll never work with another debt solution company again!

Customer Reviews & Testimonials

April 2020

Negociate saved me from crippling debt.

Ivan J
— Port Alfred —

September 2020

I owe Negociate my financial freedom. They helped me solve a serious debt issue.

Michael T
— Cape Town —

March 2020

Without Negociate, I wouldn’t be where I am today: Debt-free and happy.

Thinus P
— Bloemfontein —

Negociate Contact

Physical Address

  • Maxwell Office Park, Building 4, Magwa Cres, Waterfall City Midrand 2090 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed