If the repayment no longer fits your budget, ask for help as early as you can. You do not need to apply for another loan or sign up for a programme to find support here.
Discuss an existing payment
+27 11 884 8120Monday–Friday 08:00–17:30; Saturday 08:30–13:00 SAST.
These are operator-supplied contact details. Do not email ID documents or banking credentials.
What to do now
- Review the amount and date in your agreement. Work out what has changed and what essentials you need to cover.
- Contact the lender through a verified channel and explain that you are having payment difficulties.
- Ask which options, costs and consequences apply to your agreement. Get any accepted arrangement in writing.
- Keep records of correspondence and payments. If you dispute a charge or treatment, use the complaints process.
If several debts are becoming unmanageable
You may want to discuss your situation with an NCR-registered debt counsellor. Verify registration independently and ask about the process, costs and effects before agreeing to a service. Avoid anyone promising an instant removal from debt review or a guaranteed clearance.
Visit the National Credit Regulator ↗Discuss the existing agreement
Payment holidays, fee waivers and other arrangements depend on your agreement and lender. You can ask for repayment help without taking another loan or qualifying for Circle.
Read the complaints route