Need to consolidate your debt into one easier payment?

How much would you need?


Monthly Installment is :

This calculation is based on a period of 5 years and credit life insurance calculated at R3 per thousand. Terms and Conditions may vary depending on personal circumstances.

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About us

With years of experience in various sectors of financial services, we have set up My Financial Help as a consumer guide. We are not contracted to one specific credit provider and our focus is to find you the best advice possible for your financial needs. Our network of service providers are based in Western Cape and Gauteng regions, but we also have a national help line available to those who prefer to talk to us first.

Because we subscribe to industry best advice, we would like you to see upfront what your loan would look like before you commit to any repayments, and the calculation is merely there for your benefit in order to give you more clarity on what your payments would typically be.

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Practical Examples

My Financial Help is a division of Pay Plan Solutions. Eugene Cilliers is a registered Debt Manager (registration number NCRDC1636) and serves of the National Executive Committee of the industry Representative body, DCASA.

Consolidate debt into a home loan

Mr Simpson was asking about consolidating all his debt into his property to take advantage of the lower interest rate of his home loan. He has a house worth R1 200 000 on which he owes R400 000. He had taken the home loan many years ago when he paid around R 600 000 for the property and at the time he qualified for a good interest rate at prime less one percent.

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Consolidate debt into one payment

Although many people turn to debt consolidation as a means to reduce what they are paying, consumers should be aware what they are signing up for. People often attempt to roll shorter term debt like credit cards and store cards into a longer term loan in order to reduce the monthly payment. What they are in fact doing often carries a double penalty.

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