Rating based on 17 reviews


  • Financial recovery plan
  • Free loan quote
  • Rebuild your credit score

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

About DebtSafe

DebtSafe has been helping South Africans get a grip on their debt for over 10 years.

Having assisted over 30,000 people, they’re one of the most recognised and trusted debt counselling service providers in South Africa.

Striving for excellence

As a company that has been growing from strength to strength, DebtSafe’s success can be found rooted within their company values. Whether striving for excellence, respect, and reliability or radiating strength and empowering others, they’re always pushing the envelope.

A registered Financial Services Provider that cares

Registered with the National Credit Regulator (NCR), DebtSafe offers safe, secure, and reliable debt review services that change lives.

As a registered FSP, they abide by the National Credit Act and the rules and regulations set out by the NCR.

Their fees are structured according to regulations and you can rest assured that you’re not going to be paying exorbitant fees when looking to consolidate debt.

Need a hand managing your debt?

Whether you want to call it debt review, debt management, or debt consolidation, DebtSafe can help you get it done. If you’re overindebted, being harassed by creditors, and are struggling to keep up with payments, they can offer you a solution - debt review.

DebtSafe Services

DebtSafe offers debt review services and can help you take back control of your finances - and life.

You can start the process by completing an online application and reviewing the quote that DebtSafe will send you. If you’re pleased with what you see you can go ahead and enter into the consolidation agreement.

So how does debt review work?

Once you've been approved for debt review DebtSafe will assess your debts and negotiate with all of your creditors for lower, smaller, or less-frequent repayments depending on your situation. These creditors will no longer be able to contact you or attempt to deviate from the newly established credit agreement as this will be secured by a court order.

You will then make one single lump payment every month which will be distributed amongst your creditors. This will give you a lot of legroom and help you ensure you pay off your debts in a slow, steady, and secure way.

You no longer have to worry about getting calls and being harassed, about struggling to come up with enough to pay, or paying multiple creditors from multiple accounts.

Need to make sure you’re covered?

DebtSafe also offers you insurance that will cover your debts in the event that you’re retrenched, become disable or pass away. In these instances, the insurance will kick in to ensure you and your loved one have nothing to worry about.

Once you’ve completed the program and paid off your debts you’ll be issued with a completion certificate. In addition, your credit score will have been repaired and you can now enjoy the debt-free life that you deserve!

DebtSafe – Debt counsellor

  • Loan Type Debt counselling

Benefits of DebtSafe

  • Restore your credit score
  • Get a free quote
  • Debt assessment by registered professionals
  • Debt consolidated into one easy payment

Get your life back on track with DebtSafe

The process of debt counselling begins with an application.

Once you’ve completed this in full, you’ll receive a callback from DebtSafe who will provide you with a no-obligation quote.

Are you eligible for debt counselling?

This will be determined based on your income and expenses, the types and amount of debts you have, and whether or not you’re married.

Is debt counselling for you?

Are you struggling to repay furniture and clothing accounts, personal loans, credit cards, and other debts? Can’t find enough money for your everyday expenses? Are you behind on more than one account? Are your creditors harassing you?

If yes, then you should apply for debt counselling with DebtSafe and find out how they can help you turn things around. To get started you can simply complete their online loan application and they’ll be in touch to get the process going.

You’ll benefit from:

  • CreditGuard to protect you when the unexpected happens
  • Legal protection so your creditors cannot take action against you
  • Advice and assistance from a NCR registered debt counsellor
  • Help budgeting and a debt assessment
  • Additional cash flow to use for everyday expenses and living
  • An improved credit score and Clearance Certificate once you’ve completed the program
  • Taking care of your finances for the long-term

In addition to offering help with debt through their various debt review services, they’re also big on empowerment and will put a great deal of effort into making sure you get all the knowledge and know-how you need to keep debt at bay and your finances in good shape.

man holding thumbs up

DebtSafe is a trusted & reliable provider of debt counselling

In our review, DebtSafe adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ DebtSafe is a registered credit provider in South Africa: NCRDC1078

Customer Reviews & Testimonials

September 2020

I was drawing in debt for months and felt that I would never get through. Debtsafe took care of all of my debts, helped me free up money for living expenses. I am forever grateful.

Margret B
— Western Cape —

October 2020

My debt became a serious problem for me last year June. At my wit’s end, I decided to apply for debt review with Debtsafe - I haven't looked back since.

James C
— East London —

January 2020

I would recommend Debtsafe to anyone struggling with too much debt. They are professional, reliable and will walk you through each step of the way.

Tumelo N
— Soweto —

DebtSafe Contact

Physical Address

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 – 16:30
  • Saturday 08:00 – 12:00
  • Sunday – Closed