Debt Consolidation

Was your consolation loan denied before? We can still help to consolidate your monthly payments into one affordable payment.

  • Consolidation Loans
  • Consolidate debt and pay less
  • Low credit score allowed

Welcome to Debtplan Today, the leading consolidation loans company in South Africa. We understand the stress and burden of being in debt, and we are here to help you overcome it. Our mission is to provide you with the best consolidation services that will allow you to consolidate all your debt into one easy and affordable monthly payment.

We offer a range of consolidation loan options that are designed to meet your unique needs. Whether you have multiple credit cards, personal loans, or store accounts, we can help you simplify your payments and reduce your interest rates. Our consolidation loans have flexible terms and low-interest rates, so you can pay off your debt faster and with less stress.

Our consolidation process is simple and hassle-free. We’ll work with you to create a personalised debt repayment plan that fits your budget and financial goals. We’ll negotiate with your creditors on your behalf to lower your interest rates and monthly payments. And we’ll provide ongoing support and guidance to help you stay on track and achieve financial freedom.

We are committed to helping you get out of debt and stay debt-free. Contact us today to schedule a free consultation and take the first step towards a brighter financial future.


If you do not qualify for a loan, we can help you reduce monthly payments by up to 80% – without Debt Review or Administration.


If credit record requirements becomes an obstacle for the approval of consolidation finance we will also guide you as to what steps to take, to possibly qualify for consolidation finance in the near future.

What we do

If you are always short of money on your pay day because of too much payments, we can help.


How It Works?

Pay up to 80% less

Plan today for a better tomorrow and pay up to 80% less on one monthly installments

  • 1

    Contact Us

    Email us today to see how we can help you. We do not supply any info to creditors regarding your application.

  • 2

    Apply For Free

    No upfront fees and no hidden costs. Our quick and easy online application is the first step to managing your debt.

  • 3

    Live Without Worry

    Take control of your finances and live a normal life again. You will have more cash in hand for those unforeseen expenses.

Contact us today

Was your consolation loan denied before? We can still help to consolidate your monthly payments into one affordable payment.

Click on the video below for more information:


Consolidation loans options

We serve clients in Cape Town, Gauteng and nationwide

Get assistance and advice provided by registered credit providers.

  • Consolidation loans
  • Low credit score allowed
  • No upfront fees
  • No application fees


If you don’t see an answer to your question, you can send us an email from our contact form.

Yes you can still apply.
No. Your application will be free.
No. This is an informal procedure.
After submitting an application we will be able to let you know.
Since April 1 2014, regulations for what is called the Removal of Adverse Credit Information and Information Relating to Paid Up Judgments was passed.

The regulations stipulate that from this date, registered credit bureaus will have two months to remove the above information, which largely relates to the negative credit history of South African consumers.

Once removed, this information cannot be retained on the credit bureau’s register, nor can it be given to credit providers either after or during the two-month period (i.e. from April 1).

After the two-month period has passed, credit bureaus are required to continue to remove information relating to paid-up judgments received by credit providers, who are themselves required to submit these and are not allowed to use adverse consumer credit information for any reason, including credit scoring and assessment.

If a consumer has a judgment and has paid the capital portion of the arrears in full, they will no longer need to go to court to rescind the judgment. Instead, it will be done automatically and consumers will not need to pay excessive legal fees. This will also ensure that their credit record will not reflect the judgment and that they are not negatively affected when applying for a job or rental contract. Once consumers have paid their accounts in full, black marks listed on their credit record for things such as late payments, missing payments, not paying at all or avoiding credit providers, would be automatically removed.

According to the Department of Trade and Industry (DTI), the regulation is necessary because, among other things, credit information can harm employment opportunity. It also says that those consumers whose financial positions have changed should be given the ability to start on a clean slate and maintain a clean credit record going forward.

The DTI maintains that the credit amnesty granted in 2007 benefited only a handful of consumers because it required that consumers take certain steps to benefit from it, which barred those who were either not aware of this or did not understand the necessary steps to be taken.

In its 2013 annual report, released in March 2013, the DTI noted that there were 9.5 million consumers with impaired credit records (47.5% of all credit active consumers), which was an increase of about 500 000 over the previous year.

Impact on credit providers According to the Consumer Goods Council of South Africa, banks have warned that the regulations will heighten their risks and increase the cost of credit, since they will no longer be able to rely on adverse credit information supplied by credit bureaus.

Legal assistance ensures that all moneys are handled by lawyers and are paid into a lawyer’s trust account. Reducing of monthly payments are managed by lawyers.

This page is related to: consolidation loans, debt consolidation

Contact us for more information