Affordable repayments
We assess what you can realistically afford and restructure your debt into a sustainable monthly repayment plan.
★ A fresh start can begin today
Your debt doesn't define you. Your next move does.
We help South Africans reduce monthly debt repayments, negotiate lower interest and protect what matters — with a simple, confidential debt-review process.
FREE debt assessmentFREE credit reportNo obligation
REAL-LIFE REPAYMENT SCENARIO
From R8,800 to R5,180 per month.
Everyday debt repayments were putting too much pressure on the household budget. A more affordable repayment created breathing room again.
BEFORE DEBT REVIEW
R8,800
Monthly debt repayments
PROPOSED REPAYMENT*
R5,180
Per month
LOWER MONTHLY REPAYMENT*
R3,620
Per month
ESTIMATED INTEREST REDUCTION*
R42,000
Over the full term
15+ yearshelping consumers
Thousandsof South Africans assisted
Top awardedby credit providers
NCRDC1641NCR registered
Less pressure. More control. One clear way forward.
Reduced interest
We negotiate with credit providers to reduce interest and improve the structure of your repayment journey.
Legal protection
Debt review is a regulated legal process designed to help protect qualifying consumers while they repay their debt.
Already under debt review? We can help with that too.
Debt Fresh can assist beyond a new debt-review application, including transfers, removals where legally applicable, and clearance certificates.
Transfer your debt review
Already under debt review but want Debt Fresh to manage your case? Speak to us about transferring your debt counselling to our team.
Debt review removals
Already under debt review and want to know whether you can exit the process? We assess your circumstances and advise whether removal is legally possible and what steps apply to your case.
Check my removal options →Clearance certificates
Finished paying the debts required for clearance? We can assist with the clearance process and the steps needed to update your credit profile.
★TOP DEBT REVIEW
COMPANY
SOUTH AFRICAVoted by Credit Providers
COMPANY
SOUTH AFRICAVoted by Credit Providers
You shouldn't have to guess who to trust with your finances.
Debt Fresh has been trusted by thousands of consumers for more than 15 years and is registered with the National Credit Regulator. Our job is to give you a clear assessment, explain your options and help you take the next step with confidence.
15+ yearsIndustry experience
NCR registeredNCRDC1641
Human supportReal people, not a call-centre maze
FREE CREDIT REPORT + DEBT ASSESSMENT
One simple assessment. We handle the credit report too.
Tell us who you are, give consent for your credit report, then add your household income and living expenses. You only complete one process.
Your FREE Debt Fresh assessmentCredit report request and affordability assessment in one guided flow.
