Cyber Finance offers a range of effective debt counselling services that provide over-indebted consumers with an affordable debt repayment solution. With the assistance of our trained debt counselors and through processes like Debt Review, Sequestration, loan consolidation, administration and Voluntary Debt Restructuring(VDR). We help consumers undertake a debt repayment plan that will allow them to have enough to spend on daily living expenses while they settle their debts and return to the credit market.

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Get Cash Back

Pay up to 60% less in your monthly installments, giving you cash back into your pocket every month.

Protect Your Assets

Protect your assets from repossession. We help you protect your car, house and other valuables from your creditors with a court order. helping you relax while paying off your debts.

Reduce Your Interest

We help you to reduce debt by lowering your interest down to nearly 0%. Helping you pay-off your debts faster


Total Convenience
Our financial assessment process is done telephonically, so you can go through the entire process from the comfort of your own home. We will do all the hard work on your behalf!

Excellent Customer Service
Our team of highly trained professionals has helped hundreds of people just like you, through their financial troubles. We’re here to help! All you have to do is take the first step.

Complete Privacy
All your information is completely confidential ensuring anonymity of all our clients. Giving all our clients piece of mind that there information is save with us.

Read our full privacy policy here.


Cyber Finance is registered and regulated by the National Credit Regulator(NCR). We pride ourselves on giving you the support and professional advise you deserve. We have a number of solutions including debt counselling, Consolidation Loans, Voluntary Debt Restructuring and more.

Find out more about our services

We offer debt counselling to all South African’s who are over indebted by helping them through the process of becoming debt free. We have helped thousands of people protect their assets, reduce their installments and save money. Giving you the opportunity to live life to the fullest with peace of mind that your debt is taken care of.




Debt Counselling, or in this case debt review is a formal legal process that provides for a consumer to be declared over indebted and for the Debt Counsellor to negotiate a restructured affordable payment plan and obtain a court order confirming the new repayment plan. These 6 steps will give you more insight in to how we go about helping you thought the process of applying for debt counselling.



Submit Your Details

Submit your details using our online contact form. A National Credit Regulator (NCR) accredited debt counsellor will contact you telephonically within 48 hours and guide you through the rest of your application (Form 16). Click here to submit your details today.


We Contact Your Creditors

After you’ve submitted your Form 16 and relevant documentation, a Form 17.1 will be sent to your creditors and the credit bureaus. This action will subsequently prevent your creditors from taking legal action against you. Click here if you want to Know what to look out for when considering debt counselling.


Debt Counsellor Assessment

Once a response is received from your creditors, a debt counsellor will assess whether or not you are over-indebted. If so, a Form 17.2 will be submitted to your creditors and the credit bureaus.


We Negotiate On Your Behalf

We enter negotiations with your creditors on your behalf to ensure that your monthly installments and interest rates are reduced. This restructuring allows you to cover your monthly living expenses and while repaying your debts in an affordable manner.


Channel Installments To Your Creditors

A Payment Distribution Agency (PDA) will channel your revised monthly installments to your respective creditors. The PDA will provide you with monthly statements, as well as supply your debt counsellor and creditors with a payment schedule.


Make Payment Plan a Court Order

An application is made to the Magistrates Court to have your revised debt repayment plan made a court order. Once all of your debts have been settled, your debt counsellor will issue you with a clearance certificate and notify the credit bureaus that you are no longer under debt review.

“We believe in the financial wellness of all South Africans and strive to provide excellent customer service”

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Here is what our previous clients had to say about us.


Chris Swanepoel


From when I entered into financial management with Cyber Finance for my debt problems. I received only 1 phone call from creditors. I informed my account manager at Cyber Finance who handled it nicely. I did not hear again from this creditor again. That made me happy. It took time to learn how to live and plan my life so I don’t have bad debt. I learned that in this way I optimized my spending power. More money to spend for myself instead of high interests.

Theo Khumalo


I thought I was being smart by avoiding creditors and delaying payments but, I was so wrong! Through Cyber Finance I saw another world. The world of thinking smart and avoiding more debts. The higher discipline also was positive for my family. We were able to achieve more in life. We were able to convert our goals positively and we are so happy now. Who would have known that?


Mavis Madonsela


When I was looking for a company to assist me with my financial challenges I came across different personalities and companies, but they were not like the friendly friends I found at Cyber Finance. Not only did they help, they went beyond in assisting me with great pleasure and they have become like a best friend full of good advice.
Thank you a lot, you have made my life easy.