Credit Solutions
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Our simple Online Application process makes pre-approval possible in 24 hours 


One Manageable Monthly Payment at fixed Interest rates over terms you can afford.


Installments are repaid over terms that will suit your pocket.


One installment means that you know how much you will be repaying each month.


More money available monthly for living expenses, entertainment, savings and investment.

tailored for you

We offer a wide range of Credit Solutions to suit many financial situations.

Contact us Today for a Credit Solution that will best fit your specific needs.

Credit Solutions All Under One Roof

Empowering Your Life

We have combined a number of Credit Solutions because we think it's wrong that consumers are held back by a lack of credit. Our mission is to support our client's financial growth while empowering them with the best solutions available, impartial advice and financial support to become debt free as soon as possible.

Good Old-Fashioned Service

Our flexible approach is new, but we believe in the way service used to be i.e. getting to know our clients and their specific needs. That’s why we give you a dedicated relationship manager who will determine the Credit Solution that best fits your needs. Not only for once-off products but through the entire duration of your relationship with us.

Decisions Made By Real People

We don’t use a ‘computer-says-no’ algorithm. We get to know each and every consumer and their specific needs. So if your financial criteria doesn’t fit the strict criteria of many institutions, you could have more success here with one of our Credit Solutions. We want to say ‘yes’ to helping you get out of debt and grow.

Flexibility (That’s How We Roll)

Flexibility is at the core of everything we do and we’ll bend over backwards to support your specific needs. Our various Credit Solutions come with flexible features - from debt free in 18 months - to interest rates as low as 5% for unsecured debt. If there is a solution we have it.

Simple, Transparent Terms

As a Service Provider we’re committed to making the process as simple as possible, whilst being 100% transparent with our customers. We don’t charge application or assessment fees for our Credit Solutions. In fact, repay debt early and benefit from a reduction in interest charges.

Fast Application Process

Our lightning-fast application process means that after you apply online you could receive a decision within 24 – 48 hours. Once approved for the Credit Solutions of your choice, you start paying less for your debt monthly and your cash flow improves immediately!

Credit Solutions When You Need Them Most


Debt Consolidation is a Credit Solution that entails consolidating debt into one repayment.  This creates a more manageable monthly payment. Monthly installments are reduced and terms extended. The consumer can also request early settlement discounts .


At Negociate Credit Solutions, we know how difficult it is to deal with a large amount of debt, struggling to keep on top of paying various Credit Providers each month.

We are fast and flexible when it comes to creating a suitable Debt Consolidation Plan that matches your specific needs and budget. You can also benefit from early settlement discounts of up to 20%. We will work directly with you to analyse your current financial situation and to provide the best way forward.

With our professional solution, you will be in a position to repay existing debt instantly and get a competitive interest rates and repayment terms that suit you. Consolidate credit card debt and Loans in two ways with us through Bond Consolidation or Debt Review.

Want to know more? Let us conduct a free of charge, no obligation Debt Consolidation Assessment to determine if you qualify. You will receive a free copy of your Credit Report and a detailed Debt Consolidation Assessment of how the process works, including costs and conditions. This is our pre-qualification process for this Debt Solution.


The Application Form will only be sent to you once you understand fully how the Debt Consolidation works and only after we have answered all questions to your satisfaction. 

There are no upfront costs or charges and so you have nothing to lose by making an informed inquiry about Debt Consolidation, which can only improve your current financial well-being.


Bond Consolidation is a Credit Solution that provides the opportunity for registered Home Owners to Consolidate Debt into an existing Home Loan, reducing monthly repayments by as much as 60% and improving credit scores within 12 months.

Bond Consolidation is an option that is available to existing Home Owners who have built up equity in their property and can therefore use this Equity to settle short-term unsecured debt and vehicles.


What is Equity and how much do I have? Equity is the difference between the current market value of your property and what you still owe on it.

This difference is used to Consolidate higher interest unsecured short term debt like clothing accounts, credit cards, loans, overdrafts and Revolving Credit Plans, as well as secured short term debt like vehicles.

The opportunity also exists to access the equity for renovations, instead of financing renovations with high interest loans.


Short term debt is consolidated into the home loan at lower interest rates and longer terms, reducing the overall monthly repayment to debt and therefore freeing up income for living expenses

With personal debt levels rising in South Africa, many Home Owners have turned to Bond Consolidation in an attempt to better their financial situation.


We only grant 70% Bonds. Therefore if your property is worth R1000,000.00 currently, then a bond of R700,000.00 will be granted.  Make sure that the difference between what is owing and what we grant you is enough to consolidate all of your debt.

We will only consider granting you the Bond if all of your debt is settled in the process.

Credit Solution 3: DEBT SETTLEMENT

Debt settlement allows you to pay a lump sum that is typically less what you owe to settle your debt. This is done by negotiating a suitable settlement discount that is in line with the lower lump sum value that you have.

At Negociate Credit Solutions, we know how stressful it is can be to  negotiate Debt Settlement values with your Credit Providers. It is not only time consuming but extremely frustrating too.

We are fast and flexible when it comes to creating a suitable Debt Settlement Plan that matches your specific needs and the lump sum that you have. You will benefit from early settlement discounts of up to 20% with current debt, and up to 50% with debt that is handed over to collection agencies. We will work directly with you to analyse your current financial situation and to provide the best way forward.


A lump sum of money is paid to settle debt earlier than the original contractual agreement. This lump sum can come from a pension pay out, inheritance, retrenchment package or bonus.


By doing this you not only benefit from the future interest that you would have paid, but also from potential discounts that Credit Providers will grant you for settling the debt earlier.


The Advantages of Debt Settlement becomes clearer when you compare total outstanding debt and the costs involved in paying off that debt under your normal contractual agreements.


When you also consider all the interest you would have paid your Credit Providers and the number of the years it would have taken to pay that debt off, the savings from Debt Settlement increase exponentially.

Credit Solution 4: DEBT MANAGEMENT

All Debt problems are solvable with professional Debt Management. The path to getting a handle on your debt might not be easy or quick, but there's always light at the end of the tunnel. The secret to success is dealing with these problems as soon as they occur and before they become a headache to manage.

We have a comprehensive list of Debt Management Solutions that can assist you with your specific financial needs. We are a one stop Credit Solutions shop.


Few people actively seek to get into debt. This generally happens when you spend money you don’t have or can’t realistically pay back. This expenditure could have occurred for frivolous reasons or due to a change in circumstance i.e. a spouse/partner dying, personal illness, divorce or losing your job.

However good or bad your reason, the most important thing you can do is get a grip on your spending. The prime aim of Negociate Credit Solutions is to cut the cost of your debt. Your job is to take a hard and fast look at your spending habits and nip bad ones in the bud.

Your re-negotiated payment under Debt Management is worked out through a breakdown of your monthly budget and the payments are usually paid over a longer period.

These solutions are flexible and so If your circumstances change the instalment can increase so that debt is paid off sooner. However, you cannot pay less than the minimum installment negotiated.

Debt Management is good for those who are struggling to keep up with their debt repayments, but who can afford to consistently pay smaller amounts over a longer period of time.

It’s also good for those whose circumstances are likely to improve over time and who have a steady and relatively stable income.

Insolvency occurs when your debt exceeds your assets/income or unforeseen circumstances result in your inability to meet the contractual obligations you have with your Credit Providers. Once this occurs various legal solutions exist to either write this debt off or to extend terms and lower interest rates through negotiations with your Credit Providers.

Insolvency is not the same as bankruptcy, but it is one of the criteria for bankruptcy. You can also apply for Debt Consolidation, Bond Consolidation or Debt Review before considering bankruptcy or sequestration.

Trying to determine if you're insolvent can be stressful and it's not always clear what should be done to improve finances. Start by arranging a free, no obligation consultation to determine what options are available to you.

To calculate if you are currently insolvent, make a list of all of your current outstanding debt. Now make a list of assets including savings and investment accounts, property, tools of the trade etc. Indicate their current market value and not what you actually paid for these assets. i.e. Property might have increased in value, tools of the trade might have decreased in value from the purchase price. Compare these two values to see if you are insolvent.

If you are insolvent, there are other ways to take care of your debts before considering sequestration or declaring bankruptcy.

We suggest that you first take a careful look at your budget to see if there is a way to cut costs or think about ways of creating additional income to help get out of debt.

If your financial situation is past your control, there are still other debt solutions that Negociate Credit Solutions can suggest for your unique situation.

Personalised service means that you get the best offer based on your current needs, with lower fees at competitive interest rates.

Choose a term that you'll be in a position to repay even in months where there are unforeseen expenses.


By doing this you can be assured of debt success.

So what are you waiting for? 


Take these easy steps to become debt free. 


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