At we have an easy 6 step application process:

Step 1: Complete the call back form online at A DebtSafe call centre agent will contact you to give you a step-by-step explanation of how the process works and send you an application form.

Step 2: Within two working days a personal consultant will contact you to discuss the details of your application.

Step 3: Once you have signed the application form, your creditors will be notified within five working days. You are now in debt counselling and protected from creditors.

Step 4: Your new Personal Payment Plan will now be sent to all creditors with new instalments.

Step 5: We will have your application issued at your local magistrate within 60 workings days.

Step 6: The debt counsellor will facilitate your debt re-arrangement application at your local magistrate.

The 3 best personal loan companies I found online!
LightStream Loans (My #1 Pick): (I may be compensated by LightStream through this link.)

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The best personal loans I found were American Express personal loans, SoFi and LightStream Loans. I’ll cover them each in-depth. Enjoy.

Each of these personal loan lenders have pros and cons, so I’ll cover each of them and I’ll let you know how I feel about their loan options. It was very hard to find low interest personal loans online, because there are so many to choose from. But these lenders don’t charge any dirty origination fees or pre-payment penalties and they have instant approval, which is sometimes hard to find.

Personal loans can be very expensive, so watch this video and hopefully you’ll learn something new. And keep in mind that you’ve gotta have good credit to be approved for these loans. Bad credit won’t work with these lenders.

Overall I felt like American Express is the best personal loan for smaller loans with shorter lengths (like 12-36 months). They have great rates and terms, but you’ve gotta be a cardmember to qualify.

SoFi is incredible because of all their perks and transparency, but when it came down to their actual rates, they were a little higher than the competitors.

My top pick goes to LightStream Loans Because overall they have the most lending options and the best rates for larger unsecured loans. and they have au

Just remember that personal loans aren’t always the best option for loans, but if you need one, then I’d look into these three choices. Thanks

American Express Personal Loans:
SoFi: Asked that the link be removed 🙁


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Lightstream loans is who I recommend for any auto loans, personal loans or debt consolidation. They have the best rates and don’t charge any fees or pre-payment penalties:

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I’ll give you the honest truth about a variety of financial topics in a way that actually makes sense. I’m not a financial advisor and I’m not here to advertise a bunch of products. I simply want to share my financial advice with anyone who will listen.

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DebtBusters is South Africa’s largest and most successful debt companies, striving to assist our clients every step of the way towards financial stability. With more than 12,000 satisfied clients to date, we are the largest debt management company in the country. We offer a personalised service that is tailored to suit each individual’s situation and operate countrywide. With more than 120 staff, we are able to assist you every step of the way for however long it may take.