FindBetter

  While we all want to be optimistic, we need to be realistic about our finances. Studies show that 36% of South African consumers are in financial distress, concerned about their ability to fully pay off at least one of their existing bills or loans. There's simply no easy way out of financial difficulties, and in some cases, debt counselling in South Africa is the best proactive approach and long-term solution.   What is debt counselling in South Africa ?   Debt counselling in South Africa is a structured process that combines all your debt payments into a single and more manageable monthly amount. While there are costs involved in hiring a debt counsellor, the fees can be as low as 10% of your overall instalment savings over the lifetime of the debt.   Your debt counsellor will review all your outstanding payments and work with your creditors to agree on lower repayment amounts and improved terms. This might mean it takes a bit longer to pay off y...

  For better or worse, loans have become an integral part of modern life — everyone uses it, whether it's to address unforeseen emergencies or simply to improve our standard of living. Personal loans in South Africa provide financial support to achieve your goals and fulfil your aspirations.   This is why it’s important to understand exactly what the requirements for personal loans in South Africa are so that you can access extra funding right away when you need it. While different lenders work have different underwriting processes, most of them will ask to see the following:   Good credit score     Having a good credit score shows lenders that you’ve handled your finances responsibly in the past and could even help you qualify for more favourable loan terms.     Verifiable income   If you’re employed, you will need to submit your most recent pay slips or bank statements showing your income for the last 3 months (or longer, de...