Debt Review Loans

Loans For Debt Review Clients

Debt Review Loans

Debt Review Loans – Best Advice On Getting Loans For Debt Review Clients

How to get loans while on debt review in South Africa.

Getting loans for debt review clients isn’t as easy as you would expect mainly because debt review is a legal process making it illegal to get extra credit for anyone who is under review.

The NCA (National Credit Act) introduced the debt review process for debt review clients in order to help them overcome their over-indebted situation without access to further credit, personal loans or payday loans.

This therefore makes the granting of loans for debt review clients unlawful for a bank or lender as it would be in contravention of the NCA (National Credit Act).

However, whilst getting loans for people under debt review is basically against the law, there are other viable options for getting debt review loans.

To be successful you would have to approach lenders who aren’t too concerned about contravening the NCA (National Credit Act) by providing debt review loans.

Whilst there are many lenders who won’t have any qualms about handing out loans for people under debt review, please be careful of approaching unscrupulous loan sharks who could end up making your life a misery.

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Best Advice On How To Get Loans For Debt Review Clients

Is it possible to get loans for people under debt review? The short answer is yes, and no…

  • I know this sounds confusing but if your debt review has been registered by the court you are not (from a legal point of view) allowed to apply for additional credit whilst under review.
  • So for debt review clients to stay within the NCA & the law, they would have to cancel their debt review process before applying for additional credit or unsecured loans.
  • However if you are willing to flout the law in this instance, then you will certainly be able to find a lender who is willing to grant you an unsecured loan despite your legal situation.
  • Whilst the best option would be to avoid committing to extra debt & making your financial situation even worse, it is sometimes unavoidable & applying for a short term loan is the only option.
  • So for debt review clients, there are certain options available to you to get a loan, one of which would be to end the review process or (the more popular option) to approach a non-mainstream lender.
  • Also ensure that you do not commit yourself to some unrealistic repayment terms or high rate of interest when signing for your loan.
  • Remember that loan sharks are not your only option & that there are reputable loan lenders out there who will grant debt review clients a loan at more favourable repayment terms & acceptable interest rates.
  • Another option if you are employed & earning a regular salary is to ask for an advance on your salary or a payday loan. Payday loans generally need to be repaid as soon as you receive your pay at the end of the month so they can be considered as short term loans.
  • When applying for a loan from a lender who is not a traditional lender, financial institution or mainstream bank be sure to check that they are at least registered with the NCR which will give you some protection.


Loans For Debt Review Clients

Getting Loans Approved For Debt Review Clients

  • While it is totally possible to successfully obtain a loans while under debt review (you will always find a lender willing to grant you credit in such circumstances),  you would be well advised to examine the conditions of the loan carefully.
  • Take special note of the interest rate being charged before signing & committing to any loan not being granted by a traditional lender or bank as it could place you in a far worse financial situation.
  • You should also ensure that the lender is registered with the NCR (National Credit Regulator) which would provide some protection & peace of mind as opposed to some of the unscrupulous lenders out there.
  • It is also worth mentioning that you would have to settle all your existing debt before being able to successfully apply for further credit from any mainstream bank or credit provider, however this would not necessarily be the case with other more “flexible” lenders.
  • Also remember that as it is actually against the law to be granted a loan while under debt review, there will be unscrupulous lenders who may be willing to grant such loans but they will be granted at a significant cost in terms of interest & stringent repayment conditions.

Go here for more information on applying for personal loans »

So notwithstanding the above, and whilst you probably won’t be successful in applying through the mainstream banks, there are however certain lenders who may provide you with the credit you need at reasonable interest rates & with reasonable terms.

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90 comments on “Debt Review Loans
  1. a says:

    do you have any contacts of people who provide small loans for clients under debt review

  2. vishal says:


    I’m currertly under debt review, I’m total debt left to pay is 75k.

    I’m loooking for a personal loan to free of this debt.

    You can contact me on 0726156773.

    • nonhle ndlela says:

      hi my name is nonhle i was under debt review and i cancelled because i was straggling finencial and now my debt are more then 50k my number is 0835337750 if there is anyone interested thank you

    • Neville says:

      Hi Vishal,
      If you find someone who can help you with this, please let me know.
      I’m in the same boat.

      • MrMoneySense says:

        Hi Neville, as you probably know, being under review does make it difficult to get loans from the regular institutions however there are probably lenders who will be willing to lend you money but at exorbitant rates.

        You may be able to find someone who’s reasonable with their interest rates & repayment terms but as debt review clients are legally bound not to accept additional financing in the way of loans please be careful of not getting ripped off by a loan shark

      • THUSLEEM says:

        hi Neville, did you find anyone that can help us?

        • Alfred says:

          Thusleem Please give me a call on this number, I think I can give you a better clue where to get help… My number is 079 633 2662. My Name is Alfred. I’m also in Debt Review as well, but I got help from some other company. So do give me a call if you’d like to hear what help do I have for you

          • JJ says:

            Hi Alfred – did you manage to get help from a company to get a loan while under debt review? I am in the same boat – please let me know what can be done.

          • Charlene says:

            Hi Alfred I read your post can you assist me with info too im also under debt review

          • Khpza says:

            Good day Alfred I’m also under debt review can u please give me some infor where you have got help.khoza my

          • Alfred says:

            Hi please note that when your under the debt review, your the same as your in prison you can’t get a loan any where. So take this number and ask for a help from a guy by name Tyron: 0823479206.

            The name of the company is Debt Mediation

          • MrMoneySense says:

            Please note that anyone using this information does so at their own risk.

            This person and/or service is in no way connected to Loan Lenders or its affiliates and therefore no guarantees or recommendations are provided for anyone using this service.

            Please be careful who you deal with & who you provide your personal details to – if they get in to the wrong hands it can cause you all sorts of trouble.

            Also please ensure that anyone you deal with in terms of your debt or loan requirements is registered with the NCR (National Credit Regulator) in terms of the NCA (National Credit Act) to provide you with some peace of mind.

          • Lee says:

            Afternoon Alfred
            I am under debt review as well. Kindly may i ask if you could assist me with information as well?

            Regards Lee

      • Melissa says:

        hi Neville
        any news on this I also need help.

    • LuwiMan says:

      Hi Vishal

      We’re you able to find assistance for my situation is the same.

  3. Beulah Neumann says:

    I need two months rent up in advance as from November 15th 2016 Could I be possibly helped? Please?

  4. Need help says:

    I’m also under-debt review. My car broke down and I took all my salary to fix it. I need R10 000 to pay for rent. But I cant get a loan anywhere and it would be a one month loan as I would pay back all the money month end. If anyone knows someone that can help please help.

  5. Hi I’m currently under debt review and desperately need cash.Can you please refere me where I can get msybe a loan up to R25000,00.Please help me

  6. Hi I’m currently under debt review and desperately need cash.Can you please refer me where I can get maybe a loan up to R25000,00.Please help me.

  7. Lizzy says:

    Is it possible to cancel your debt review then apply for a bigger loan to settle all my small loans and how long would the process be.

    • MrMoneySense says:

      Hi Lizzy

      You can withdraw from the debt review process voluntarily at any time but your credit record will not be cleared, which you probably know.

      Also, if you pull out of the debt review process you will no longer receive any protection with regards to paying off your debt – so it will be unwise to pull out of the process prematurely.

      If your counsellor provides issues you with a clearance certificate you should have a clean credit record & can apply for credit again.

      Read more about getting out of debt review here:

  8. lewis says:

    i urgently need a loan of 20000 am under debt review i have a permanent job

  9. SHANE says:


  10. THUSLEEM says:

    hi…I cancelled my debt review with my counsellor…so im paying my loans myself. the exact same amount the counsellor paid. I might of cancelled it but im still showing under debt review,my application hasn’t gone to court tho. is there a place I can apply for a loan to pay off my debt of 120 000.00

    • Melissa says:

      hi Thusleem did you perhaps get any response .let me know Im in the same boat.need to pay my debt to clear my name.

    • fikie says:

      Hi I want to gt out of dept review.anyone can tell me how to cancel plz

      • Abdul says:

        Go back to the company that helped you with the debt review and they will apply to the courts for you to be taken off debt review. Although it is not all that simple. They have made life very hard for us that lost our jobs and they never considered us when we start working again.

  11. Lindelani says:

    I underwent Debt Review in 2011 and still paying.
    I’m renting and paying R5060 monthly, its really tough since I know I cannot be approved for a home loan,
    I’m currently having a situation that requires some money, Is there anyone who can assist please.

  12. Hi I’m under debt review urgently in need of a loan of 30k with reputable institutions who can help

  13. alfred says:

    Hi, I’m currently in debt review of an amount of R10000 for all on my creditors. And I’m also looking for a place where I can get help with finance, then after paying everything, then I can settle back only one installment. Please advice..

    • MrMoneySense says:

      Hi Alfred
      Anyone currently under debt review will know that it’s very difficult to get loans from the regular & trustworthy financial institutions however there are probably lenders who will be willing to lend you money but at exorbitant rates – some at higher interest rates than other.

      So while you may be able to find a lender that will charge you a reasonable interest rate & offer decent repayment terms, there are many loan sharks who are looking to take advantage of your situation as they know you’re stuck between a rock & a hard place by being legally bound not to accept additional financing in the way of loans as you’re under review.

      So please be careful who you borrow money from, as loan sharks can make your life hell

      • Alfred says:

        In any how… if they are high with their interests, we can negotiate/arrange on repaying the money that they offered me. So by saying that… everybody knows how desperation does. With this regards I’m really desperate, I really need assistant. Maybe if I can get contacts of those loan sharks and take it from there with them

  14. alfred says:

    Hello once again… if there’s anyhow where I can get help. please do not also hesitate to call me at 079 633 2662, thank you

  15. David says:

    I want a loan I am underdebt review

  16. Rhoda says:

    Under debt review need a loan urgently

  17. Amanda says:

    Hi did anyone get help, am also under debt review and urgently need money.

  18. Tamsyn says:

    Hopon loan doesn’t actually loan money to those under debt review and there is no other alternative than finding a loan shark. What’s really sad s that these funds are usually for emergencies, nothing more. But wuth salaries getting smaller and jobs getting more scarce… nothing can really be done at this stage except to declare bankruptcy.

    • MrMoneySense says:

      Yes, unfortunately that is the difficulty.

      Reputable lenders won’t contravene the law by providing loans to anyone under debt review so the alternative is the less reputable lenders who may grant you a loan but could also make your life a living hell & plunge you into more debt.

  19. Mark fortuin says:

    Hi I need cash and is under debt review please nred help

  20. Simon says:

    Can anyone please help me I am under debt review. I owe African bank R26000 but my situation has changed. I need a loan to settle African bank and for other expenses.

  21. Richard says:

    Hello! I am under debt review, How do I terminate the process caude I am not happy about the way it is handled.

  22. I I need a loan of 12 000 agent I’m ander dept review I can pay R400 every week please help

  23. Nomzekelo says:

    I am under debt review but need a loan amount of 25.000.

  24. Tlangelani says:

    Hi I need a loan of 10000 I’m under debt review does any one knw where can I get help please contact me at 0722783970

  25. LuwiMan says:


    I want to get out of debt review but require R120,000 to settle my debt. Do you know of any institution willing to assist me. Please, I am desperate.

  26. hopewell says:

    I am under debt review I am desperately need 30 to 50k any one can help me please

  27. Rulaine says:

    Good day, i need money to settle my existing car finance, only thing i still need to settle. My car broke and cant fix it. I want to settle my car finance of R8934. Im under debt review

    Who can help me asap

  28. fabian says:

    hi I am already under dep review en cancel a 5 months ago by dep safe to pay my creditors the thing is isit possible to apply again becus they send a cancelation form to all my creditors

  29. Annemarie says:

    Im under dept revue and need R20000 very urgent.

  30. Delsie says:

    Hi.I’m.under debt review,n I’ need to settle my debts,n start my life on a clean slate.but it’s not easy getting a loan when under debts review.I don’t know where else to I’ve tried many places with no luck

  31. Thabang nkosi says:

    Hi im under debt review and im looking to settle my account urgently at R9000 can you kindly give me feedback@ 0794926829..

  32. Wayne says:

    Good day I am under debt review, I need a loan of R35000, instalments over 4 years, 0713423620

  33. moses says:

    Hi I need a loan and I’m under debt reviewe pls help me I need money urgently

  34. Candice says:

    Hi am in the same boat pls assist

  35. samantha says:

    do u loan money if client is under debt review


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  37. Litha says:

    Hi there my name is Litha am also under debt review but I have cancelled. I need a loan . currently I am renting a house and my land lord wants to sell it. I want to buy the house please help.

  38. Bianca says:

    I need a loan of R30 000 and I’m under debt review.Please if there is anyone that can help.

  39. Tshepo says:

    Hi i am under voluntary debt review and urgently need a loan of about R10, 000. Is there anywhere i can get help urgently.

  40. Brilliant says:

    i am also under debt review i was managing just fine until last year i was involved in a car accident, the insurance refused to pay and the people who caused my accident also refused to pay, lawyers say the case wont stand in court and now im paying for a car thats broken down sitting inthe garage with damages that amount to 90k, i hae decided to try get a backyard panelbeater to repair my car the parts alone require 35k and labour 15k, i have been pintching my budget trying to resolve my situation but i keep hitting stumblings blocks, is there a lender out there who can help me with 35k so that i can repair, i rely on it for so much.

  41. Moosa Behra says:


  42. Frikkie says:

    Hi I am under debt review and need R30000 urgent.

  43. Frikkie says:

    Hi I under debtreview and need R30000 urgent.

  44. Steven says:

    Hi, Im under dept review and only owe 40k, If anyone knows a lender who can loan me cash then please contact me on 0815951525

    • MrMoneySense says:

      Hi Steven, hoping you get the money so you can rid yourself of the shackles of debt review.

      And if you do, please try and put some money away every month in an interest bearing account – the power of compound interest will astound you and you’ll be surprised how a small monthly saving will grow into a sizeable amount.

      Here are 30 ways you can start saving today »

      All the best & I hope you can change your life around

    • JJ says:

      Hi Steven – if you do come right and the lender allows it, please let me know their details as I am sort of in the same boat.

  45. Aneesa says:

    Hi, Im under debt review and require a loan to pay off my outstanding amount, which is R120 000. I have been experiencing difficulties and really need to get rid of being under the debt review process.If anyone knows someone that could help me, please let me know.

  46. Thozama Tyakume says:

    Im under debt review and require a loan to pay off my outstanding amount, which is R140 000. I have been experiencing difficulties and really need to get rid of being under the debt review process.If anyone knows someone that could help me, please let me know… i also want to have the debt review flag removed from my credit profile.

  47. Colin says:

    I am under debt review,yes I know it is difficult to get a loan, my home loan is paid up and need a loan to clear my other debts, but is also a hassle to get a secured loan, can somebody help or advise, to cancel the review process would leave me to pay original monthly repaymentsto my creditors, and negotiated interest rates will no longer apply

  48. Johnson says:

    Hi I am Johnson did anyone under debt review get a solution or get a loan from any money lending institution if you were successful please send me the contact details or contact information , thanks JOhnson

  49. Good day all, i am also under debt review and in need of cash urgently. Please let me know as well if you were successful in findind a loan

  50. Ayanda says:

    Debt review is a trap.
    I am stuck with a vehicle that is over 5 years old.
    It breaks down constantly but I am still paying monthly installments.
    This is putting me in worse position than I was prior debt review.
    I have even asked to at least get a car of the same value and trade in my current car. I mean what is the point of being under debtreview if its making your life a living nightmare. I will only finish this car in 2021. What can I do to get out of this hell I am in. Please advise

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