Rating based on 57 reviews

Just Money

  • Effective debt solutions
  • Asset protection
  • Reduced interest rates

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Author Just Money. Screenshot of Just Money website.
[Accessed February 20, 2020]

About Just Money

Getting sound advice is not always a commodity that is easy to come by. But Just Money is a debt counsellor that you can rely and depend on.

We have assisted many South Africans with their financial predicaments. Just as you are not the first you will definitely not be the last either.

About the lender that cares about you

Debt and financial problems can cause a fair amount of stress which is why our primary goal at Just Money is to reduce your stress. To do so we plan to offer fast, secure, and easy finance to get yourself out of the debt you are being drowned by.

With our help, you will not only be making better financial decisions today but for your future too. As dedicated financial advisors, we promise to do all that is in our power to help you achieve financial freedom.

How our services work

As a financial advisor, we work as a type of broker. The good news is that our services are entirely free so, even though our customers are indebted, they will still be able to make use of our services. After reviewing your application we begin our search process. We will search for debt consolidation loan for you. We use the information you have provided us with to find the ideal lender for your circumstances; the lender with the best terms, rates, and borrowing amounts.

However, you have the final say and we will never force a lender onto you. If you feel that we can do better, then send us back on the search and we will come back with a better offer.

Just Money Services

While Just Money focuses mainly on loan assistance, we can also help with insurance quotes. Isn’t it great to know that you can get all this assistance under one roof?

But today you are here to become financially fit so we plan to help you do just that.

Solve your financial issues

Debt consolidation is also referred to as debt refinancing. Essentially, a debt consolidation loan repays all of your current outstanding debts. So if you have a credit card, store card, and vehicle you are repaying, you can use a debt consolidation loan to repay all of these debts.

You will not be left repaying a single loan amount with a single interest rate and monthly charges per month instead of multiple debts with accumulative charges and interest. This will not only help you to save money in the long run, but it also makes your life much easier.

Debt consolidation vs debt counselling

As explained above, a debt consolidation loan is more of a debt refinancing tool, whereas, debt counselling assists overindebted South Africans to regain control of their finances. One of our debt counsellors will work with the customer and assist them to understand their financial position and explain how their position can be improved with a restricted repayment plan.

Once we have negotiated better fees and interest with the credit providers, you will be on a better path to financial wellness. Whether or not debt counselling is better for your circumstances than debt consolidation depends on the counsellor who is assisting your case.

Just Money – Consolidation loan

  • Loan Type Debt consolidation loans

Benefits of Just Money

  • Repair your credit score
  • Choose between flexible or fixed interest rate
  • Credit life insurance
  • Get out of debt
  • Flexible loan terms

Just Money is here to offer advice you can rely on

Regardless of the type of financial assistance, you wish to receive, nothing can be done until you make the move.

So grab your laptop or your Tablet and get to complete that application!

What are the loan requirements?

As a financial advisor, we do not have strict requirements – our doors are open to assist all. However, the lenders that we apply to do have requirements and we will make sure to find one that is suitable for your circumstances.

Some basic requirements that lenders have to include the following. Borrowers should be:

  1. Over the age of eighteen.
  2. In a position with full-time employment.
  3. A South African citizen.

Where do I apply?

To apply for our assistance you can simply complete the online application on our website – it will only take a few minutes. Otherwise, if you prefer to handle your debt face-to-face then come visit us in the branch and we can handle the application from there.

What documents do I need?

When you complete your application, online or in-branch, you will need the following documentation:

  • Certified copy of South African ID
  • Proof of residence
  • Three month’s bank statements
  • Proof of employment

Customer Reviews & Testimonials

August 2019

What I love most about Just Money is that it is not all about the money. They are here to help you become financially able and to make the best of your financial situation.

Russell G
— Witwatersrand —

August 2019

Getting a debt consolidation loan was much simpler than I thought and it is definitely worth it.

Thandi N
— Port Elizabeth —

Just Money Contact

Physical Address

  • 186 Loop St, Cape Town City Centre Cape Town 8001 South Africa
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Opening Hours

  • not available