Personal Finance Archives

- July 7, 2026
- admin
How to Clear Your Name from Blacklist in SA
How can I clear my name from a blacklist in SA? To clear your name from a blacklist, you must first settle all outstanding defaulted accounts in full. Once the capital balances are…
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- July 7, 2026
- admin
Finding Legitimate Consolidation Lenders in SA
How do I find legitimate consolidation lenders in SA? You can find legitimate consolidation lenders by verifying their active registration numbers on the National Credit Regulator (NCR)…
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- July 7, 2026
- admin
The Repo Rate Impact on Loans
How does the repo rate impact my loans? The repo rate impact on loans is direct: when the South African Reserve Bank increases the repo rate, the prime lending rate in SA rises, causing…
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- July 6, 2026
- admin
The Devastating Cost of Micro Loans in SA
Why is the cost of micro loans so high in SA? High payday-loan interest rates and exorbitant service fees drive up the cost of micro loans. A micro loan vs consolidation comparison…
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- July 6, 2026
- admin
Key Signs of Over-Indebtedness in SA
What are the signs of over-indebtedness in South Africa? The primary signs of over-indebtedness include relying on short-term credit for everyday essentials, missing monthly debt payments,…
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- July 6, 2026
- admin
Unsecured Debt Consolidation in SA Explained
Is a debt consolidation loan secured or unsecured? Do I need collateral to consolidate my debts? In South Africa, most personal loans used for merging accounts are unsecured, meaning…
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- July 5, 2026
- admin
The Dangers of High Interest Unsecured Debt
High interest unsecured debt is dangerous because it compounds rapidly without collateral, leading to over-indebtedness. Juggling multiple debts drains household cash flow through duplicate…
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- July 5, 2026
- admin
How to Combine Store Cards into One Payment
To successfully combine store cards with one payment, you must apply for a specialised consolidation loan from an NCR-registered provider. This new facility pays your existing retail…
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- July 4, 2026
- admin
Can You Get a Consolidation Loan for Blacklisted in SA?
Yes, you can secure a consolidation loan if blacklisted, provided you pass specific affordability assessments under the National Credit Act. To combine debt with a bad credit score,…
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