Debt Solutions 4U — Professional Debt Counselling, powered by Debt Free with Armani
  • NCR Registered
  • 4.7 Google Rating
Need help? Chat to us now

A brighter tomorrow starts here

See if you qualify
for a loan

Tell us what you need, we’ll check your credit picture and show you what loan options may be available — clearly and honestly.

A woman sitting at home, thinking about her options

Real people. Real solutions.
A brighter tomorrow.

See your real credit picture

Understand where you stand today.

Know what may affect approval

Get clarity before you apply.

Explore better options

If a loan isn't right, we'll guide you.

NCR

NCR Registered

NCRDC1015 & NCRDC2423

DC

DCASA Full Member

Debt Counsellors Association of SA

ND

NDCA Member

National Debt Counselling Association

Debt Review Awards 2023

Top 5 finalist, Medium

Debt Review Awards 2024

Top 10, Large

Debt Review Awards 2025

Top 10, Large

Google

4.7 ★★★★★

116 reviews

HelloPeter

4.8 ★★★★★

348 reviews

Check If You Qualify For A Loan

Free • No obligation • Secure credit check

R
R

Rent or bond, food, transport, electricity, school fees. Not your debt repayments — we read those off your credit record.

Checking your credit record does not affect your credit score.

How it works

  1. 1

    Tell us what you need

    It takes 2 minutes. No documents needed, no obligation.

  2. 2

    We check the real numbers

    We look at your income, expenses and credit record.

  3. 3

    We show your best path

    You'll see loan options if available — and honest guidance if not.

  4. 4

    You decide what to do next

    No pressure. Just clear information so you can make the right choice.

Many South Africans looking for a loan are already under financial pressure.

From the South African Financial Pressure Index (SAFPI), August 2026 reading. See the methodology.

58.4%

median share of net income debt review applicants already commit to debt

56%

of those applicants are above a 50% debt-to-income ratio

65.4%

of what they owe is personal loans

1 174

applications analysed, June to August 2026

As featured in leading South African publications

News24IOL Business ReportThe CitizenBizcommunityRateweb

Real conversations.
A stronger South Africa.