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Debt consolidation counselling

How much does debt consolidation counselling cost?

  • R8800 – R10,000
    The restructuring fee for debt counselling (for an individual)
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Debt consolidation counselling

Debt consolidation loan
Debt consolidation, debt management

Below are the informative prices of debt consolidation counselling. We've also examined what the quoted prices usually include and which factors affect the final price.


The application fee for debt counselling

  • R61 – R63

This is a one-off amount that is paid upfront and in full and it pays for the processing of your application. As the price is regulated by NCA and NCR, it does not vary. The average cost of the application fee for debt counselling is R63, or typically between R61 and R63.

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The restructuring fee for debt counselling (for an individual)

  • R8800 – R10,000

This is the full assessment of consumer’s finances and includes a proposal for creditors to pursue, organizing of consumer’s debts, negotiations with your credit card providers for lower interest rates, supplying the attorneys with needed documents, handling transfer requests, and filling in NCT applications. Debt Review is governed and regulated by the NCA and NCR and is a formal legal process. The prices are therefore the pretty much the same across the country. On average, expect to be charged between R8800 and R10,000 for the restructuring fee for debt counselling (for an individual).

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The reckless lending fee for debt counselling

  • R1800 – R1900

Your counsellor will take a look at any reckless lending investigations, and supply attorneys with relevant documents to draft affidavits on the assessment outcome. Debt Review is governed and regulated by the NCA and NCR and is a formal legal process so the prices do not vary by much. The cost of the reckless lending fee for debt counselling typically runs from R1800 to R1900, averaging at R1900.

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The administration fee for debt counselling

  • R300 – R400

This is a once-off fee that is paid upfront. It includes consultation with your counsellor to discuss the process and its costs, sending notices to your debtors, and handling any debt review rejections you might have received. Debt Review is governed and regulated by the NCA and NCR and is a formal legal process so the prices do not vary by much. On average, expect to be charged between R300 and R400 for the administration fee for debt counselling.

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Recent jobs for debt consolidation counselling

Debt consolidation loan facilitation for R10,000 to R50,000

  • City (or suburb) where you need the service: Johannesburg
  • What is your monthly income?: Over R10.000
  • How long are you employed at your current position?: Over 12 months
  • What is the amount of debt you wish to take?: R10.000 - R50.000
  • Estimated project start: Within a month
  • Price estimate: R2500

I need help paying of my existing debt please as I was under debt review and the debt counselor didnt pay my creditors for 6 months so I had to sell my vechicle to pay all those missed payments and settle them i didnt have enough funds to close them all im only left with 2 accounts i am no longer under debt review that's why i want to do this and also open my cash more to accommodate paying back the loan when my debt is settled I can give the 2 accounts that I want settle there no need for funds to get paid into my account..once that's done I want to get a vechicle that's my first priority right now...all my accounts is up to date ive been paying my creditors myself the last couple of months all Im asking is just for a little help ive been diong the best I can the last couple of months now im at a point where I just need that extra little help so I can move foward in life ive been in the same place for almost 2 years now not moving forward the help will be much appreciated and ill be so greatful ive been struggling so much and to get help is extremely difficult..my bank account got hacked last months the bank didnt help me with funds of lost so I had to take small loans to pay my debt is didnt have a choice and i didnt my accounts to go into arrears my credit score is average I probably won't qualify everytime I reach out for help then I get told about debt review i am not overindebt bad luck has just been hitting me from all sides.. All want i want is to pay off my existing debt and get my bakkie back. I really need this help PLEASE!!

Debt consolidation loan for R10,000 to R50,000

  • City (or suburb) where you need the service: Johannesburg
  • What is your monthly income?: Over R10.000
  • How long are you employed at your current position?: Over 12 months
  • What is the amount of debt you wish to take?: R10.000 - R50.000
  • Estimated project start: More than 3 months
  • Price estimate: R5000

Due to personal financial issues I accumulated various payday loans to resolve the issue because I did not want a long term contract however now I have a few payday loans all 6montha and unable to make all the repayments. Is it possible to settle all my payday loans for me to have 1 repayment. Total repayment for all payday loans is currently more than R month.

Debt consolidation loan advisory and processing

  • City (or suburb) where you need the service: Johannesburg
  • What is your monthly income?: Over R10.000
  • How long are you employed at your current position?: Over 12 months
  • What is the amount of debt you wish to take?: R10.000 - R50.000
  • Estimated project start: Within a month
  • Price estimate: R5000

I need help paying of my existing debt please as I was under debt review and the debt counselor didnt pay my creditors for 6 months so I had to sell my vechicle to pay all those missed payments and settle them i didnt have enough funds to close them all im only left with 2 accounts i am no longer under debt review that's why i want to do this and also open my cash more to accommodate paying back the loan when my debt is settled I can give the 2 accounts that I want settle there no need for funds to get paid into my account..once that's done I want to get a vechicle that's my first priority right now...all my accounts is up to date ive been paying my creditors myself the last couple of months all Im asking is just for a little help ive been diong the best I can the last couple of months now im at a point where I just need that extra little help so I can move foward in life ive been in the same place for almost 2 years now not moving forward the help will be much appreciated and ill be so greatful ive been struggling so much and to get help is extremely difficult..my bank account got hacked last months the bank didnt help me with funds of lost so I had to take small loans to pay my debt is didnt have a choice and i didnt my accounts to go into arrears my credit score is average I probably won't qualify everytime I reach out for help then I get told about debt review i am not overindebt bad luck has just been hitting me from all sides.. All want i want is to pay off my existing debt and get my bakkie back. I really need this help PLEASE!!

Debt consolidation loan arrangement for R10,000 to R50,000

  • City (or suburb) where you need the service: Benoni
  • What is your monthly income?: R5.000 - R10.000
  • How long are you employed at your current position?: Over 12 months
  • What is the amount of debt you wish to take?: R10.000 - R50.000
  • Estimated project start: Within a month
  • Price estimate: R5000

I'm reaching out to discuss my current financial situation and explore options for paying off my debts. I'm committed to making regular payments and can afford to pay R per month. I'd like to know if this amount can be allocated towards my accounts and if there's a way to set up a payment plan that works for me. Could you please advise on the best course of action and let me know if there are any additional requirements or documentation needed? I'd appreciate your guidance and assistance in getting back on track with my payments.

Consolidation of R100,000-R200,000 debt and credit clearance

  • City (or suburb) where you need the service: Polokwane
  • What is your monthly income?: Over R10.000
  • How long are you employed at your current position?: Over 12 months
  • What is the amount of debt you wish to take?: R100.000 - R200.000
  • Estimated project start: Within a month
  • Price estimate: R25,000

I was under a debt review from .from last year I was paying my accounts from my side due because. Debt review councilors were not distributing money to all accounts. After receiving uncomfortable calls from companies I owe I dicided to pay from my bank. But I'm still struggling cause I don't know when I will finish. So it looks like I will pay for my entire life. May you please consolidate all my credits and remove my name from credit berau. I

Home loan debt consolidation counselling session

  • City (or suburb) where you need the service: Cape Town City Centre, Cape Town
  • Are you a citizen of South Africa?: Yes
  • Are you employed?: Yes
  • What type of debt do you need to consolidate?: Home loan
  • What is the amount owed?: R100.000 or more
  • Estimated project start: 1–3 months
  • Price estimate: R2500

Hi, I would like consultation on what options I have during these difficult times of financial difficulties. Ideally I would like to reduce my home loan repayment amount and increase the term on it. But my fear is that won't this put me in a disadvantage for future transactions. Surely in these current times restructuring debts, there are many options available without disadvantaging to poor post COVID 19.

Debt consolidation loan for R10,000 to R50,000

  • City (or suburb) where you need the service: Johannesburg
  • What is your monthly income?: R5.000 - R10.000
  • How long are you employed at your current position?: Over 12 months
  • What is the amount of debt you wish to take?: R10.000 - R50.000
  • Price estimate: R65,000

I would like to do a debit consolidation

Debt consolidation loan for R50,000 to R100,000

  • City (or suburb) where you need the service: Welkom
  • What is your monthly income?: Over R10.000
  • How long are you employed at your current position?: Over 12 months
  • What is the amount of debt you wish to take?: R50.000 - R100.000
  • Estimated project start: Within a month
  • Price estimate: R12,000

Bad credit score with multiple debts

Loan for debt consolidation R50,000

  • City (or suburb) where you need the service: Johannesburg
  • What is your monthly income?: Over R10.000
  • How long are you employed at your current position?: Over 12 months
  • What is the amount of debt you wish to take?: R10.000 - R50.000
  • Estimated project start: Within a month
  • Price estimate: R55,000

I am writing to apply for a debt consolidation loan to restructure my current short-term and high-interest credit obligations into a single, affordable repayment. My income is stable at approximately R20, – R21, net per month, however I am currently experiencing cash-flow pressure due to multiple short-term loans with high monthly instalments. I am not seeking additional credit for new spending, but rather to settle existing obligations and stabilise my finances. The loans I am requesting to consolidate are the following: Prime Loans Technology Lendplus Technology Mpowa Finance Fatsa Capfin SA Unifi (Account 1) Unifi (Account 2) Direct Personal Loans These accounts collectively place a heavy monthly burden, and consolidation would allow me to honour my commitments responsibly under one structured repayment. I am not applying for debt review, and I remain committed to meeting my obligations in full. My intention is to improve affordability, reduce risk, and maintain a good repayment record going forward.

Consolidation loan application R20k–R30k

  • City (or suburb) where you need the service: Cape Town
  • What is your monthly income?: Over R10.000
  • How long are you employed at your current position?: Over 12 months
  • What is the amount of debt you wish to take?: R10.000 - R50.000
  • Estimated project start: Within a month
  • Price estimate: R35,000

Right now I’m financially stretched and trying to stop things from getting worse. I have multiple active loans (over R15, total), with at least one account in arrears, and my credit profile isn’t good. My income isn’t covering everything comfortably. I’ve been looking into taking a R20k–R30k loan to consolidate everything into one payment so I can manage it better.