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)
Application Fee
One-time payment when you apply
Restructuring Fee
Paid over the first months of debt review (not upfront). The actual amount depends on your debt amount and is capped by NCR regulations.
• Debts under R50,000: Lower fee (approximately R3,000-R5,000)
• Debts R50,000-R150,000: Medium fee (approximately R5,000-R6,500)
• Debts over R150,000: Maximum R8,000
Monthly After-Care Fee
Maximum R450 per month for managing and distributing your payments to creditors
Example: If your new monthly payment is R5,000, the after-care fee would be R250/month
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.