How it works As a leading financial solution provider, we offer a wide range of services to help you reduce and consolidate your debt into one affordable monthly payment.

Our 5 Step process You always stay in control. In the end the decision is yours.

Take the first steps to achieving financial freedom.

Request a Free Debt Assessment
Step 1
Apply for a Fee Debt Assessment by completing our online form. It is an obligation free service that we offer to help you find the best possible solution.
Request a Free Debt Assessment
Professional Debt evaluation
Step 2
Through our free debt assessment, we provide you with a detailed credit report and a financial assessment to give you a full 360-degree view of your finances.
Professional Debt evaluation
Finding the right solution
Step 3
Based on your debt assessment and evaluation, we recommend the solution that best meets your financial needs. We discuss how this solution will benefit you and what your new consolidated monthly payment would be.
Finding the right solution
Finalize your agreements
Step 4
If you choose to partner with Cyber Finance, we take care of all the rest. We negotiate and inform your creditors of any decision you make and handle all the paperwork on your behalf.
Finalize your agreements
Experience financial freedom
Step 5
Once you’ve signed up, all that is left is to pay your newly consolidated monthly instalments. Sit back, relax and enjoy your newfound financial freedom, you deserve it.
Experience financial freedom


The National Credit Regulator (NCR) was established as regulator under the National Credit Act 34 of 2005 (the Act). The NCR is responsible for the regulation of the South African credit industry and ensures the enforcement of the Act. Cyber Finance is register and regulated under the NCR. Our NCR DC number is NCRDC3022.

In order to start the process, we need to do a full credit evaluation and debt assessment to see if you can qualify for a consolidation loan. Simply complete the form and one of our Financial specialists will contact you to start the process for you, No obligations required.

In order to qualify for a debt consolidation, you will need to be employed and have more that one account with an outstanding balance of at least R 25000. We’ll work out what consolidation service you can qualify for in our assessment process.

We can definitly help you. Cyber Finance has a wide range of financial services that cater a wide range of financial situantions. We will advice and guide you on the best options available to you.

We will not share your information with any 3rd party. We value and respect your privacy, we will never send you any content that you do not want to receive. Your information will only be used for your application.

Debt Review is one of the financial solutions that we can use to consolidate your debt and lower your monthly installment. Debt Review is a very effective and save way to consolidate your debt without needing to apply for a loan. For more info on debt review, click here.

It depends on the financial solution that you apply for. Some of our solutions you are not able to use or make any new debt and others allow you to use some credit facilities. The best would be to apply for a Free Debt Assessment so that we can recommend the right financial solution for your needs.

Like any other service, there are fees applicable to our service. But, we explain any and all fees to you before you sign up for any of our services. Our Debt Assessment however, is completely fee of charge with no obligation to sign up for any service.

Our Dedication to You We value your financial health!

We value your financial health! Our team of highly trained professionals will guide and assist you with any financial situation you may have. We pride ourselves on providing you with services that you can benefit from. We assess, investigate, discuss and find a solution that is in your best interest.

We believe in transparency in all our communications. We will provide you with all the information, the good and the bad. You can be assured that once you have completed our free financial assessment that you have a clear idea of the options and debt solutions available to you, including what will be good for your credit record and what won’t help your situation.

Ready to start the next chapter of your life?