Take control with expert debt management advice
Make sense of your money, reduce pressure, and take back control with personalised guidance that fits your life.
Personalised financial plans
Debt and budget support
No judgement, just clarity
Practical advice for long-term financial health
Debt doesn’t have to define your future
Whether you’re barely keeping up or just feel financially stuck, our debt management advice helps you see the bigger picture. We work with you to create a realistic budget, negotiate better terms with creditors if needed, and develop a strategy that fits your lifestyle. No judgment, no pressure, just expert advice to help you move forward.
Built around your life. Not just your numbers
How our debt management advice works
We believe that good advice starts with understanding your full situation. Our structured approach helps you break down the chaos and rebuild your financial future with confidence and control.
Free financial assessment
We review your income, spending, and debts to understand your current position.
Tailored advice and planning
We develop a budget and strategy that fits your goals and helps you stay on track.
Negotiation support
If creditors are involved, we can guide you or step in to negotiate more manageable terms.
Ongoing support and tools
You’ll receive check-ins, tips, and guidance to help you build better habits and regain control.
It’s about progress
Let’s build a plan that works for your life
You don’t need to figure it all out alone. Our team helps you turn overwhelm into order, with practical tools, expert advice, and a plan you can actually follow.
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 is debt management advice?
It’s personalised financial guidance that helps you manage your income, debt, and expenses more effectively, without necessarily entering a legal process like Debt Review.
Is this the same as Debt Counselling?
No. Debt Counselling is a legal process for over-indebted individuals. Debt management advice is a flexible, non-legal support system to help you improve your financial health before things escalate.
Can I still get help if I’m not behind on payments?
Yes! This service is ideal if you’re just feeling the pressure and want to avoid falling behind.
Will CyberFinance talk to my creditors?
If needed, we can guide you through the negotiation process or help you prepare to speak with your creditors yourself.
Is the service confidential?
Completely. All advice and assessments are private and handled with full discretion.
What does it cost?
Your first assessment is free. If you continue, we’ll explain any possible costs up front. No hidden fees or surprise charges.
