Rating based on 18 reviews

Zero Debt


  • Repair your credit score
  • Become debt free
  • Repayment up to 60 months

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Zero Debt homepage

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

About Zero Debt

If you find yourself unable to sleep because of financial concerns, Zero Debt can help you to break free from those sleepless nights.

As a leader in debt solutions, we are dedicated to providing financial assistance and advice to South Africans who are in need of debt counselling.

We are dedicated to helping you

You are not the first person to fall into a whirlpool of debt and, like others before you, you will escape it. Zero Debt has assisted thousands of South Africans to achieve, well, zero debt! We treat every loan application is unique and will use our expertise and training to give you back your freedom.

Our team is prepared to go the extra mile, take the extra time, and sift through more budgets and plans to ensure that you get the best service care possible. And we will do all this with the utmost confidentiality – you can place your trust in us and we will not disappoint you.

How we are going to help

As a debt solutions provider, we focus on providing sound advice on becoming debt-free. But we are not here to just help you get rid of your debt; we are here to teach you how to manage it in the future. Think of us as a dietician for your credit record – we will help you maintain a healthy spending lifestyle.

To get you to your new financial goal we will make use of various debt alleviation tools like debt consolidation loans and, if needed, we will place you under debt review. But do not worry; there is nothing to be afraid of. You are safe under our experienced wing!

What Zero Debt can offer you

Our team have been trained to utilise the tools of the trade and ensure that your finances can be optimized completely with the use of these financial products.

Simply sit down with one of our consultants and we will take it from there!

Debt consolidation is the first step

Most of the time debt is simply the result of poor financial management. If you see that you are running into the red, do not leave matters to become worse! Contact us when you see this happen and we can stop the problem before it festers. With multiple credit cards, store cards, and short-term loans you will discover that you do not have the means to repay all of these debts.

But, with the help of a debt consolidation loan, you can repay all these obligations, get the creditors off your back, and only have to repay a single loan amount instead of multiple debts.

How debt review can help you

Of course, if things have been left unchecked for too long then more drastic measures might be required. If you are behind on your repayments, debt review will help you to structure a more affordable repayment plan based on your current expenses and income.

We will contact your creditors for you, explain that you are now under debt review, and arrange a reduced interest rate and extended-term for your debts. Your assets are now safe from creditors, and your repayments will become easier to handle.

Zero Debt Debt consolidation loans

  • Loan Type Debt consolidation loans
  • Repayment 60 months

Benefits of Zero Debt

  • One affordable payment per month
  • Reduced interest rates
  • Assets are protected

Here’s how to apply with Zero Debt

We take pride in our ability to help clients become debt-free. There is no better feeling than watching our clients achieve their financial goals and prosper.

But this is only possible if you complete our assessment form. The future is in your hands.

Complete your assessment form

The Zero Debt assessment form is easy to access and simple to complete. All you need to do is visit our website using your computer, Tablet, or even your Smartphone and complete the application. It will only take you a few minutes and you do not need to visit us in branch unless you want to!

Get in touch with one of our advisors

As stated before, our advisors are among the best and have received training to deal with financial situations such as yours. Once we have assessed your application, we will get in contact with you and start preparing financial management plans based on the information you have provided.

Calculate your way to a better future

It is always good when clients take matters into their own hands; it shows us that you want to understand your financial situation and make a difference to your lifestyle. Our website has an online calculator that is free to use at any time. You can use this to calculate the most affordable repayments based on your current income and expenses.

Customer Reviews & Testimonials

May 2019

With the assistance of Zero Debt, I was able to clear all of my debt and get my life back onto the track.

Roland G
— Sasolburg —

July 2019

The financial advisers at Zero Debt are simply amazing! They know what they are talking about and are professional all the time.

Zandile A
— Benoni —

Zero Debt Contact Details

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Physical Address

Opening Hours

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