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Debt Won’t Fix Itself.

Take Action Before It’s Too Late!

Ignoring your debt only makes things worse.

Let’s turn this around – TODAY.

Get A Free, No-Obligation
Debt Relief Consultation

Are you behind on payments?

  1. We protect you from any legal action from your creditors.
  1. We help you avoid long-term damage to your credit profile & score.
  1. We keep your house, car and belongings safe.
  1. We help reduce the stress and anxiety that comes with financial pressure.

There’s ALWAYS a Way Forward.

Thousands of South Africans have lowered their monthly payments – and started breathing again.

Start with a FREE, no-obligation assessment from our expert team.

It takes less than 60 seconds to get started.

Get URGEnt Help Now!

What Our Clients Say

I would like to thank Miss Lerato Motau for the explanation and excellent customer service in helping me with my financial issues. She has guided me, suggested what my plan was and what I can afford, sent me the Debt Review application forms to fill in, and guided me, explaining everything that your company does and what you offer.

Nomaswazi

Hi… You guys are a great team of professional (Debt Review) advisors. The consultant I spoke with was very helpful and great service is very rare, I would like to say thank you so much for the advice and hope you guys keep on doing this to everyone .. YOU’re Awesome!

Nosiphiwo

Lerato Motau, from CreditSmart, is an exceptionally professional individual. She not only understands debt, but she also understands people. She is quick to respond to enquiries and goes the extra mile when required. Debt Review – a difficult process for customers made a little easier when staff of this calibre are helping us. Excellent!

Storm

I was assisted by David Chanza. A very helpful and patient gentleman who took his time to get me an accurate quotation and to explain what the (Debt Review) process would entail.

Pearl

You had me bursting out in tears when my clearance email came through… THANKS BE TO GOD. Dealing with CreditSmart has been a true blessing and walking this Debt Review journey with CreditSmart has been the best decision I have ever made. Thank you for treating me with so much respect and dignity.

Sheila

The Benefits of Debt Management with Creditsmart (NCR- Approved):

  1. One single and affordable instalment.
  1. Calculated instalment on how much you can afford.
  1. Consolidation happens without additional loans or debt.
  1. Credit providers cannot take legal action against you.
  1. Interest rates are reduced, helping you to get out of debt faster.
  1. Credit Profile can slowly but surely be rebuilt after the process.
  1. You get dedicated Debt Advisors who will be there for you all the way.

It takes less than 60 seconds to get started.

Get URGEnt Help Now!

Frequently Asked Questions

How can one affordable monthly instalment really make life easier?
It simplifies everything: no more juggling multiple bills or due dates. One manageable payment gives you breathing room and control.
What’s different about consolidating without a loan or new debt?
It means you’re not borrowing more money, just restructuring what you already owe into something sustainable.
Can this process actually lower the interest I’m paying?
Yes. We work with your creditors to negotiate reduced interest rates, so more of your money goes toward settling your debt.
Will I get expert help along the way?
Absolutely. Our advisors are fully registered with the National Credit Regulator (NCR) and here to guide you every step of the way.
What’s a calculated instalment, and how does it help me?
We assess your income and expenses to create a realistic monthly plan – one you can actually afford, without sacrificing your essentials.
How does CreditSmart protect me from legal action?
We work with a trusted network of NCR-compliant attorneys to help shield you from creditor pressure and legal proceedings once your plan is active.
Can I rebuild my credit profile through this process?
Yes. By staying on track with your new repayment plan, you begin repairing your credit profile. Over time, the negative flag is removed – helping you rebuild your score and regain financial freedom.

Get A Free, No-Obligation
Debt Relief Consultation

Get A Free, No-Obligation
Debt Relief Consultation

Get A Free, No-Obligation
Debt Relief Consultation