What is the National Credit Act?

The National Credit Act (NCA) is a South African law designed to promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information.

How can a Debt Counsellor help me?

A Debt Counsellor can help you restructure your debt payments if you are over-indebted, negotiating with creditors to reduce monthly installments and extend repayment terms.

National Credit Act & Debt Counselling Guide

We promote a fair and non-discriminatory marketplace for access to consumer credit. Empowering South Africans with knowledge on debt counselling, debt review (also known as debt rescue), and consumer protection under the NCA.

How the NCA Protects You

The National Credit Act (NCA) was introduced to promote a fair and non-discriminatory marketplace for access to consumer credit.

Fair Market Practices

Ensuring all credit providers treat consumers fairly and without discrimination.

Reckless Lending

Preventing credit providers from lending money to consumers who cannot afford to repay it.

Debt Counselling & Review

Providing a mechanism for over-indebted consumers to restructure their debts through formal debt review, debt rescue, and debt consolidation.

Overwhelmed by Debt? Consider Debt Counselling

Debt counselling (also known as debt review) is a formal debt management process that helps you restructure your debt without taking out a new loan. A registered Debt Counsellor will negotiate with your creditors to reduce your monthly installments and interest rates, effectively offering a debt consolidation solution.

Immediate protection from legal action
Consolidate debt into one affordable monthly payment
Negotiated lower interest rates and installments
Clear path to becoming debt-free

Find a Registered Debt Counsellor

Latest News & Updates

Stay informed about changes to the Credit Act.

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Know Your Rights. Protect Your Future.

The National Credit Act is designed to protect you. Whether you are applying for credit or struggling to repay it, we are here to provide the information you need.

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