Transparent Pricing
No hidden fees. NCR regulated. Affordable and honest.
All debt counselling fees in South Africa are regulated by the National Credit Regulator (NCR). Here's what you'll pay:
Application Fee
One-time fee recoverable directly from the consumer upon application (excl VAT)
Administration Fee
Covers consultation, Form 17.1 process, DHS loading, and applications (excl VAT)
Restructuring Fee
Lesser of first instalment or R8,000 (excl VAT). Joint applications: up to R9,000. Paid over first months as 100% of fee is due on first instalment.
Reckless Lending Fee
Only charged if applicable after reckless lending assessment is complete and attorney affidavit is drafted (excl VAT)
Monthly Care Fee
5% of your monthly instalment, capped at R450/month (excl VAT). Starts from 2nd month after restructuring fee is paid.
Consent Order Fee
R500 submission fee (excl VAT) plus filing fees. Deducted from 2nd month after restructuring fee is paid.
Payment Distribution Agent (PDA) Fees
Per payment per credit agreement:
• R5.00 for payments between R100-R200
• R10.00 for payments between R201-R500
• R15.00 for payments exceeding R500
Payment Terms: The restructuring fee is paid over several months (not upfront) starting with your first restructured payment. Monthly care fees commence in the 2nd month after the restructuring fee is paid.
No upfront payments: The restructuring fee is paid over several months as part of your debt review payments, not upfront.
Free consultation: We assess your situation at no cost to determine if debt review is right for you.
NCR regulated: All fees are regulated by the National Credit Regulator and cannot exceed the legal maximum.
Value for money: The savings from reduced monthly payments far exceed the cost of debt counselling.
No obligation. We'll explain all costs before you commit.