Learn Help & Guide
Guides on loans, budgeting, credit scores and managing debt.
Struggling With Debt Repayments? Your Options
If debt repayments are getting hard to manage, these steps help: list what you owe, talk to creditors early, payment arrangements and debt counselling.
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How to Spot Loan Scams in South Africa
Learn the warning signs of loan scams in South Africa, from upfront fees to unregistered lenders, and how to check a lender before you share any details.
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How to Build an Emergency Fund on a Tight Budget
Step-by-step tips for South Africans to start an emergency fund on a tight budget, so unexpected costs need less borrowing and cause less stress.
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How to Repay a Short-Term Loan on Time
Practical steps to repay a short-term loan on time: plan for the debit order, protect the repayment money and what to do early if you think you will miss it.
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Short-Term Loan, Credit Card or Overdraft: Which Fits?
Compare short-term loans, credit cards and overdrafts in South Africa: how each works, what it costs and which suits an urgent expense or a longer need.
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Can You Afford a Loan? A Budget Check Before Borrowing
Before you take out a loan, check that the repayment fits your budget. A simple South African affordability checklist and budgeting steps to follow.
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Your Rights as a Borrower Under the National Credit Act
An overview of the rights the National Credit Act gives South African borrowers: clear information, affordability checks, credit records and help with debt.
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How to Read a Loan Quote: Interest, Fees and Total Cost
Learn how to read a South African loan quote: interest, initiation and service fees, total repayment and the questions to ask before you accept an offer.
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What Documents Do You Need to Apply for a Loan?
The documents South African lenders ask for when you apply for a loan, why they need them and how to prepare them so your application is not delayed.
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How Payday Loans Work in South Africa
A plain-language guide to payday loans in South Africa: how they work, what they cost, who they suit and the questions to ask before you borrow.
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How to Choose the Right Personal Loan for Your Needs
Personal loans can be a valuable financial tool when you need funds for a major purchase, debt consolidation, or unexpected expenses. However, with so many...
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5 Steps to Improve Your Credit Score Before Applying for a Loan
A strong credit score can save you thousands of rands in interest over the life of a loan. Whether you're planning to apply for a mortgage, auto loan, or...
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Small Business Loans: What You Need to Know Before Applying
Securing financing is a critical step for many small business owners. Whether you're starting a new venture or expanding an existing one, understanding the...
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