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  • Protect Your Assets
  • One Affordable Instalment
  • Reduced Interest rates

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Author Credit-Rescue. Screenshot of Credit-Rescue website.
[Accessed May 9, 2023]

About Credit-Rescue

Credit-Rescue is one of South Africa’s largest and most respected debt management solutions providers. Its mission is to assist South Africans in becoming a debt-free society.

They aim to achieve this through the provision of debt management services for a broad range of people and needs. Through their provision of corporate debt recovery services, they also assist businesses that are struggling to fulfil their commitments.

Their approach to such struggling businesses is to work with them and assist them in arriving at a solution and, in the end, recovering the debts owed.

This is done by providing support rather than taking legal action, an approach that is likely one of the reasons that Credit-Rescue has seen the success and growth that it has.

Credit-Rescue’s debt management solutions

They offer debt review and administration, corporate debt recovery, and debt review and administration removal.

These debt management services are provided by some of the country’s leading experts in finance and a team of registered debt counsellors who care.

Over 80 nationwide branches

While their head office is located in Cape Town, Credit-Rescue has over 80 branches with the largest concentrations present in Gauteng, Durban and Cape Town.

This makes them one of the country’s largest debt management service providers and an employer of over 1,000 people!

Excellent customer reviews

One of the best ways to ensure you choose the best service provider to handle your debt is to check out their online reviews.

Credit-Rescue has stellar reviews from past and current clients that compliment them on everything from their friendly service to their accuracy and professionalism.

They are not only registered debt counsellors and compliant with the National Credit Act and the National Credit Regulator's Code of Conduct but, they go above and beyond to do even better than is required of them.

Credit-Rescue Services

Credit-Rescue is in the business of helping people and businesses who are over-indebted take-back control of their finances.

Debt review with Credit-Rescue

One of their primary services is the provision of debt review services. If you have too much debt and are struggling to come up with the payments every month, you may qualify.

Credit-Rescue will help you restructure your debts, lower interest and fees by negotiating with your creditors and help you free up cash for your monthly living costs.

Debt review is a legal process that was introduced by the National Credit Act and is one of the most secure ways to deal with too much debt.

Benefits of debt review with Credit-Rescue

  • Access to a network of over 80 nationwide branches
  • Professional, registered debt counsellors at your service
  • Credit-Rescue will deal with your creditors
  • You only have to make a single monthly payment
  • A PDA will make all your payments so you don’t have to worry
  • You're protected from creditors through a court order
  • No more calls and messages from creditors
  • Your debts are restructured so you pay lower interest and fees
  • Have more disposable income available to cover living expenses

Debt administration or mediation

If you do not want to apply for debt review or do not qualify but still need help you can approach Credit-Rescue for debt mediation services. They will negotiate with your creditors and ensure you free up income for expenses.

They’ll make payments to your creditors on your behalf and will ensure no further action can be taken against you. You will need to sign a Power of Attorney to enable Credit-Rescue to act on your behalf.

Existing debt review

Credit Rescue can also help you make an application to prove to a court that you are no longer indebted so that you can exist debt review early. You can also exist debt administration early by applying to a Magistrate’s court.

Credit-Rescue – Debt Counselling

  • Loan Type Debt Review

Benefits of Credit-Rescue

  • One monthly instalment
  • Repair your credit score
  • Protect your assets

Credit-Rescue’s easy 7-step debt review process

  1. Get in touch with Credit Rescue by visiting a branch, sending them an email, completing their online contact form, or sending them a Whatsapp. You can also call their dedicated call center.
  2. A debt counsellor will gather some information andlet you know whether or not you qualify for debt review. If you do, complete your debt review application form and return it.
  3. Credit-Rescue will contact your credits to inform them that you’ve applied for debt review. They will no longer be permitted to contact you or take any further legal action.
  4. Credit-Rescue will gather information from your creditors and negotiate your debts to an amount you can afford overall.
  5. A full payment plan is put together and you are then required to make only a single payment to a Payment Distribution Agency (PDA).
  6. The repayment plan is made an order of court and you are protected from any further action from creditors.
  7. You may not take out any more credit while under debt review. Once you’ve repaid your debts you will receive a clearance certificate.

How long will you be under debt review?

The time frame will differ depending on the amount of debt as well as how much you can afford to repay monthly. Most people exit debt review after anything from 3 years to6 60 months.

What happens if you want to exit debt review?

If you come into some extra money or your financial position improves, you may be able to exit debt review earlier than planned. You'll have to apply to court directly for this and prove that you're not over-indebted any longer.

If you’ve not yet been issued a Form 17.2, you can withdraw from the process without any formalities having to be complied with.

Important debt review information

  • Not everyone qualifies for debt review, which is why a counsellor will first review your financial situation before you formally apply
  • Your creditors will no longer be able to contact you once you've been placed under debt review
  • Assets will be protected against repossession
  • Your debt counsellor will negotiate lower interest rates and reduced fees on all your loans
  • You do not make any payments to Credit-Rescue upfront, their fees are included in your monthly repayment made to a PDA
  • You may not take out credit while under debt review

Credit-Rescue Contact

Contact Number



Physical Address

  • 1st Floor, Naspers Centre, 40 Heerengracht St Cape Town 8001 South Africa
  • Get Directions

Postal Address

  • PO Box 18804, Wynberg, Cape Town, 7824, South Africa

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 16:00
  • Saturday 08:30 – 13:30
  • Sunday – Closed