Your Debt Consolidation Loan! 

Save up to 60% on Monthly Debt Repayments

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Please ensure you insert your details correctly as per examples. Without the correct information we cannot assist you. 

One Monthly Fee

Country wide service

Become Stress Free

Save more money

Reduced Repayments

Be Debt free sooner

Reasons to find your consolidation loan with us

Debt can cause many problems and if you are applying for a debt consolidation loan then you are probably already suffering with debt or are in danger of heading down that road. There is help for those that are in debt and you can deal with debt smartly. 

Your Guide to Debt Consolidation

You should only take a debt consolidation loan if you are financial disciplined and are committed to paying the loan back, so that you can improve your financial situation. 

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If there is a likelihood of you defaulting on your loan repayments, then a debt consolidation loan might provide the relief you are looking for whilst freeing up some cash flow. 

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Debt consolidation is not for everyone, so make sure you take your time and consider if this is the right and only option for you. 

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Debt consolidation is not without risk. As you will be paying one monthly amount over a longer term, you will be paying more in interest over the long run. This can be curbed by paying in extra when you are able to. 

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You are able to save money as you will not need to pay multiple fees, service charges, debit order charges and other such fees.

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Debt consolidation is the first step t financial freedom and by turning your multiple debts into just one manageable one, you will be able to free up more cash flow and budget your finances better. 

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Debt consolidation loans from reputable providers will also offer you legal protection from creditors and repossession. 

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A debt consolidation loan is undertaken to place numerous debts under one payment plan.

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Debt consolidation offers reduced monthly payments and a lower interest rate. It does this by converting multiple smaller debts into one larger debt that has a longer term. 

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When a debt consolidation loan is used wisely it can have great advantages and will put you on the path to financial freedom. 

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How can a Consolidation help You? 

Your debts can be settled

Your interest rate is reduced

Repayments can be reduced by up to 60%

Debt consolidation loans do have their benefits, but you will need to be disciplined and pay on time so that you can start to 

lead a debt free life

You will have cash flow relief

Receive legal protection against your creditors

Debt Consolidation Loan

Fill out the online form for free and find out more about debt consolidation and how it can help you to be debt free. 

Terms and Conditions


Financeman.co.za does not provide life cover or personal loans. FinanceMan.co.za is an affiliate for multiple service providers.


Here is a simple example for you to take a look at when someone gets a loan.

Please note these are low rates with unrealistic repayment periods and is merely a figurative example to help you better understand how a loan works.


Figurative Example:

Let’s say you take a loan from a creditor for R1000 with an interest rate of 5% per year with a repayment period of 2 years with the requirement of 2 yearly repayments.

In order to settle this debt based on the above terms, you will need to make 2 annual payments of R537.80, making the total repayment R1075.60 in total.

However, if you wish to settle the loan in one year with the same interest rate applied, then you will be required to make one payment of R1050 for the year. Paying back the loan in one year will be R25.60 less than paying it in two years.

Now that the basics of a loan is understood, we can look at a working example and an easy way for you to apply for a loan.


Working Example:

Loan Amount: R30 000

Repayment Term: 12 months

Monthly Repayment: R3313

Total Repayment: R39 756

Maximum Interest: 28%

Minimum Interest: 16%


It is important to note that we are not a lender. We act as an online loan matching broker that works with a variety of NCR licenced direct lenders within in South Africa. Rates typically charged range from 20% APR to 112% APR. The APR on your loan will be based on your credit profile and personal circumstances. Loan repayment terms range from 2 to 60 months. Some lenders or brokers that we work with may charge you a fee to process your application.


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