Rating based on 17 reviews

One Debt


  • Reliable debt solutions
  • Lower interest rates
  • Affordable repayments

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Author One Debt. Screenshot of One Debt website. [Accessed February 20, 2020]

About One Debt

One small decision today can make a large difference in how you govern your finances in the future.

Getting into debt is easy and many will say it’s impossible to escape, but One Debt has the ideal solution: debt consolidation.

What we aim for at One Debt

The biggest goal that we strive toward at One Debt is to follow our own vision. We want to help South Africans to manage their finances and become adept at money management. Debt is unavoidable but bad credit can become problematic if left unchecked.

With over twenty years of experience in the debt management industry, we can assure you that we have seen our own fair share of financial challenges and have helped thousands before you so you can put your trust in us. When people hear “One Debt” we hope that they will think fondly of our services as we always strive to handle our clients with the best care possible.

The benefits of having only one debt

While it might seem that there is no upside to ‘giving in’ to the debt, we can assure you that you are not giving up by asking for help. You are doing just the opposite! Once you have taken out a debt consolidation loan you will only have to make a single repayment monthly.

This will create better cash flow and you will have lots of money to spend on other things that you love because of the savings. When you go under debt review your assets are protected from creditors and you cannot even get blacklisted.  

What One Debt can offer you

With all the experience that we have in debt solution, you can rest assured that we have a plan to deal with your unique situation.

Every client is different which is why we do not have cookie-cutter deals that we hand out – we take the time to ensure that you receive the best deal for your current circumstances.

Do not hesitate to consolidate

Debt consolidation is a simple process and it will save you a lot of frustration in the long run. Accumulating debt is easy; as soon as you have a job multiple creditors will contact you offering credit cards and store cards. In times like this a debt consolidation loan will repay all of the small debts that have accumulated into a large problem and the client then only has to make a single monthly repayment. No need to worry about missing those repayments – it will be easy to keep track of the one.

Our three-step consolidation plan

At One Debt we like to keep things simple and our three-step consolidation plan is proof of such. When you are approved for your consolidation loan, you will only have to make one easy payment rendering the payment structure simple and convenient. The repayments you are making are also more affordable as the interest rate on a debt consolidation loan is often much lower than that of the interest rates on credit cards and personal loans.

Debt consolidation also rewards the holder with legal protection from creditors. As soon as you go under debt review, the creditors cannot touch you without taking drastic measures.

One Debt Debt consolidation loans

  • Loan Type Debt consolidation loans

Benefits of One Debt

  • Save on interest
  • debt consolidation solutions

Turn multiple debts into one with the help of One Debt

It is time to take that first step towards a debt-free life and all you need to do is complete a simple application.

Once the application is completed you can leave everything else in our hands and we will take it from there.

Where do I apply?

You can either apply online or in our branch. Most clients prefer to make use of our online services as it is more convenient, as they can complete the application from their home or office. But you can also come visit us at the branch and we will be happy to discuss your options in person.

Do I meet the minimum requirements?

As a debt solution company, we do not have any strict requirements. We are willing to help you regardless of the situation you find yourself in. If you are concerned you can contact us and we will be happy to talk you through it.

What documentation will I need?

When you complete our application you will need some documentation on hand. This documentation includes:

  • South African ID
  • Proof of income
  • List of your deductions
  • List of your expenses
  • Number of dependents in your household
  • List of all your current creditors and debt

Customer Reviews & Testimonials

September 2019

One Debt understands the needs of its clients and works hard to align our needs with the available deals. I commend them for their tireless service.

Rachel S
— Ladysmith —

October 2019

Getting your life back in order after a debt relapse is not easy but One Debt knows what they are doing!

Aphiwe S
— Phalaborwa —

One Debt Contact Details

Physical Address

  • 14 McIntyre Square, McIntyre St, Parow Cape Town 7500 South Africa
  • Get Directions

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed