Take control with debt counselling that works
Get expert help to simplify your debt, protect what matters, and take back control: confidential, affordable, and built around you.
One-on-one support from day one
No more creditor pressure
Protect your income and assets
Personalised guidance that puts you first
Real Solutions. Real Support. Real Results.
Debt counselling is more than a service, it’s your opportunity to breathe again. With Cyber Finance, you get a clear overview of your finances, one affordable monthly payment, and full protection from creditors. Whether you’re months behind or simply overwhelmed, we guide you from stress to structure.
Specialises in debt counselling services
How Debt Counselling works in 4 simple steps
Our 4-step process is designed to take the pressure off your shoulders and replace chaos with clarity. You’ll know exactly what to expect. No surprises, no hidden fees, just expert guidance every step of the way.
Free debt assessment
We evaluate your current financial situation and explain all your options.
Legal protection
Once approved, you’re protected from legal action and creditor harassment.
One monthly payment
We negotiate with your creditors to consolidate your debt into a single, affordable payment.
Journey to debt-free
Stick to the plan and watch your debt shrink month by month, until it’s gone.
Improve your financial situation
Start your journey to a debt-free life
You deserve a fresh start. Whether you’re drowning in bills or just want clarity, our team is here to support you with the tools, knowledge and protection to move forward.
What do our
clients say?
87% satisfaction score
38,267 people went before you
Finally after nine years, I was able to pay off the balance of my debt, which I did but the debt councillor, was not reachable to issue the clearance certificate. Thankfully, the NCR, recommended that I contact another DC to assist me which I did. Thank you very much to Cyber Finance, Cape Town but in particular, to Alain le Roux, who made the process so painless and always treated me in a professional way. I highly recommend Alain and I wish that I knew of him when I first started with debt review. Thank you, Alain.
Vicky Allan
I will like to thank the Cyber Finance specially Rene, Abbas, Imraan and the whole team for the good work and support from them. The team is determine and very helpful. You guys Rock, 10 out of 10 for you guys. You guys manage to get my car back for me. I will be forever thankful for your good/Excellent services and I will recommend anyone to use your services.
Gideon Hector
I would like to take this opportunity to thank Cyber Finance, with Melony Blake in particular, her assistance has far exceeded my expectations, from the time I decided to involve Cyber Finance, the approach has been nothing short of professional, friendly and understanding. I will no doubt recommend Cyber Finance to anyone who requires their services, thank you Melony and your team for everything!!
Sachin Singh
I am very happy thus far with the service i got from Cyber Finance. Friendly and efficient assistance from the consultants.Keep up the good work!
Sherese Michaels
Excellent service, and always ready to help – 1 Year with these guys and all has been great thus far! My queries are attended to immediately and resolved in no time. Thanks Guys!
Sebastian Aitken
Frequently asked questions
What exactly is debt counselling?
Debt counselling is a legal process in South Africa that helps over-indebted consumers consolidate and reduce their debt through a structured repayment plan.
Will I lose my house or car if I go under debt counselling?
No. One of the benefits of debt counselling is that your assets are protected from repossession, as long as you follow the agreed repayment plan.
Do I qualify if I have a bad credit score?
Yes! Debt counselling is designed for people who are already struggling. A poor credit score will not disqualify you.
Is the process confidential?
Absolutely. All assessments and communication are 100% confidential and handled with care and respect.
Are there any costs involved?
Your initial assessment is completely free. If you choose to proceed, all fees are regulated by the National Credit Regulator and included in your monthly repayment.
