One manageable repayment, instead of many
Debt Consolidation Solutions
Assistance for clients managing multiple debts by combining them into a single, manageable repayment plan — often at a lower blended monthly cost than juggling several accounts.
R 85 000
R 1 000R 500 000
24 months
3 months60 months
Estimated monthly repaymentR 4 515,28 / mo
Estimate only, subject to affordability assessment. Based on a placeholder rate of 24.5% per annum — final rate confirmed on application.
Eligibility criteria
- South African citizen or permanent resident, 18 years or older
- Two or more active credit accounts to consolidate
- Proof of regular income (payslip or 3 months' bank statements)
- Active South African bank account
What it's used for
- Combining multiple store cards and credit accounts
- Reducing total monthly repayment obligations
- Simplifying finances to a single monthly debit
Frequently asked questions
Once approved, your consolidation loan is used to settle your existing accounts directly, leaving you with one single EmpowerCap repayment going forward.