Beat the Festive-Season Debt Trap: A Simple Budget for November to January

These articles are general information and not financial, legal or tax advice. Rates, fees and rules change, so confirm current figures with the lender, the NCR or SARS before you act. Updated 16 October 2026 The festive season is when many households borrow more, and January’s bills then arrive just as school costs and a… Read More »


Debt Review or a Debt Consolidation Loan: Which Is Right for You?

These articles are general information and not financial, legal or tax advice. Rates, fees and rules change, so confirm current figures with the lender, the NCR or SARS before you act. Updated 16 October 2026 If you are juggling several debts, two common options are formal debt review and a consolidation loan. They work very… Read More »


 Ways to Improve Your Credit Score Before You Apply for a Loan

These articles are general information and not financial, legal or tax advice. Rates, fees and rules change, so confirm current figures with the lender, the NCR or SARS before you act. Updated 16 October 2026 Your credit record affects whether you are approved and what interest rate you are offered. A few months of good… Read More »


Credit Card or Personal Loan When Money Is Tight?

These articles are general information and not financial, legal or tax advice. Rates, fees and rules change, so confirm current figures with the lender, the NCR or SARS before you act. Updated 16 October 2026 TransUnion’s first-quarter 2026 report found that South African consumers are leaning more on existing credit, and that credit card reliance… Read More »


Instant Online Cash Loans: How They Work and What to Check Before You Apply

These articles are general information and not financial, legal or tax advice. Rates, fees and rules change, so confirm current figures with the lender, the NCR or SARS before you act. Updated 16 October 2026 Searching for an instant cash loan online is one of the fastest-growing ways South Africans look for credit. Speed is… Read More »


How to Compare Personal Loans: Look at the True Cost, Not Just the Instalment

These articles are general information and not financial, legal or tax advice. Rates, fees and rules change, so confirm current figures with the lender, the NCR or SARS before you act. Updated 16 October 2026 A low monthly instalment can hide a very expensive loan. Under the National Credit Act, lenders must show you the… Read More »