Debt Consolidation Loan

Consolidate all your debt into one payment. Why pay multiple loans at different interest rates when you can have one loan at a lower interest rate?

  • Easy online application

    Simply fill in the form on this page to send your application.

  • Get approved in minutes!

    One of our approved and trusted partners will call you.

  • One loan repayment

    Once approved you can qualify for immediate payment.

  • Lower interest rate

    A simple clear solution that works for your pocket.

  • Get the service you deserve!

    Our team of customer service agents is there for you.


We are a South African online loan broker, meaning that we partner with South Africa’s top financial institutions to find you the best loan for you within minutes.

How it works

1. Fill in your details
2. Tell us about your monthly loan repayments
3. Apply
4. We get back to you with the status of your application

Who can apply for debt consolidation?

To apply for a loan you must meet these requirements:
1. South African citizen or resident over 18 years of age
2. You must be permanently employed
3. You must not currently be under debt review
4. Our credit providers will do a credit check with your permission to see if you qualify.

Why choose a debt consolidation loan?

If most of your salary goes towards paying debt and you have little to no income to survive each month, a debt consolidation loan might be the right solution for you. All your debt is paid for and you are left with one loan repayment with a lower interest rate which will leave you with some extra cash.

Loan Repayment Calculator

Use the Loan123 online loans repayment calculator to see what your monthly repayment could be!

R1000 R100000
1 month60 months
Your repayments are every month.
Total repayment:

* please note that the above example is based on a standard 5% interest rate, your actual monthly repayment might differ based on your individual qualifications.

Need a loan urgently? We're here for you.

We will call you back . Simply complete the form.

Join over 150 000 South Africans!

Our happy customers say it best, read what our clients say.

Have received nothing but great service from the company. From the initial stages of asking for help from them to now where I'm on the debt review program & living comfortably.
Thank you to Ester de Beer for helping me yesterday, as well as the Loan123 team that helped me through this difficult path that I put myself in… very efficient and helpful to me
J. Mabope
I have been dealing with Neo and the service she gives is top class. Continue with the excellent service. Well done. Life is amazing now. I am able to afford my child’s school fees, buy clothes.

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