Debt Solutions 4U — Professional Debt Counselling, powered by Debt Free with Armani
  • NCR Registered
  • 4.7 Google Rating
Need help? Chat to us now

A brighter tomorrow starts here

See if you qualify
for a loan

Tell us what you need, we’ll check your credit picture and show you what loan options may be available — clearly and honestly.

A woman sitting at home, thinking about her options

Real people. Real solutions.
A brighter tomorrow.

See your real credit picture

Understand where you stand today.

Know what may affect approval

Get clarity before you apply.

Explore better options

If a loan isn't right, we'll guide you.

NCR

NCR Registered

NCRDC1015 & NCRDC2423

DC

DCASA Full Member

Debt Counsellors Association of SA

ND

NDCA Member

National Debt Counselling Association

Debt Review Awards 2023

Top 5 finalist, Medium

Debt Review Awards 2024

Top 10, Large

Debt Review Awards 2025

Top 10, Large

Google

4.7 ★★★★★

123 reviews

HelloPeter

4.8 ★★★★★

392 reviews

Check If You Qualify For A Loan

Free • No obligation • Secure credit check

R
R

Rent or bond, food, transport, electricity, school fees. Not your debt repayments — we read those off your credit record.

In order to perform a free no obligation assessment I hereby consent that the Debt Counsellor may obtain my credit records from any/all registered credit bureaus and any other registers which may contain any of my credit information. You also acknowledge receipt of our Privacy Policy and give Consent to us processing your personal information.

Privacy Policy

Checking your credit record does not affect your credit score.

How it works

  1. 1

    Tell us what you need

    It takes 2 minutes. No documents needed, no obligation.

  2. 2

    We check the real numbers

    We look at your income, expenses and credit record.

  3. 3

    We show your best path

    You'll see loan options if available — and honest guidance if not.

  4. 4

    You decide what to do next

    No pressure. Just clear information so you can make the right choice.

Many South Africans looking for a loan are already under financial pressure.

From the South African Financial Pressure Index (SAFPI), September 2026 reading. See the methodology.

58.0%

median share of net income debt review applicants already commit to debt

56%

of those applicants are above a 50% debt-to-income ratio

64.2%

of what they owe is personal loans

1,139

applications analysed, July to September 2026

As featured in leading South African publications

News24IOL Business ReportThe CitizenBizcommunityRateweb

Real conversations.
A stronger South Africa.