Instant Fund

Debt & Your Rights Guides

Know your rights as a borrower. Plain-English guides to the National Credit Act, debt review, garnishee orders, section 129 notices, prescribed debt, debt collectors, repossession and reckless lending. Learn what lenders and collectors are allowed to do, where to complain, and the lawful ways out when repayments become too much, including the Credit Ombud and registered debt counsellors.

20 guides

Insurance documents and protection symbol for loan cover
Debt & Your Rights

Credit Life Insurance in South Africa: What It Covers and What It Costs

Credit life insurance pays off some or all of a loan if certain events happen, usually death, and sometimes disability or retrenchment, depending on the policy.

6 min read

Calculator and papers used to compare debt repayment totals
Debt & Your Rights

Debt Consolidation in South Africa: When One Payment Helps

Debt consolidation combines several debts into one monthly payment, through a new loan or a debt counsellor.

6 min read

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