Take Control of Your Debt Today
Becoming debt-free could be easier than you think. Our affordable repayment plans get you out of debt and save you money. Our honest approach and transparent advice has helped thousands of people make better financial decisions.
Fill in the form below to get a free assessment.
What does Vantage do?
Vantage Debt Management has been helping South Africans take control of their debts since 2017. We offer personalised debt solutions with honest, straightforward advice tailored to each client’s needs.
Our client-first approach sets us apart, and we’re committed to reshaping the industry and building a better financial future for all. With a team of experienced professionals, we provide support every step of the way. At Vantage, we believe financial freedom should be accessible to everyone.
Vantage Debt Management is registered with the National Credit Regulator – NCRDC2955/NCRDC2599.
Our Services
Vantage Debt Management empowers South Africans to imagine and achieve a better tomorrow by providing effective debt solutions to those who are experiencing debt problems.
Debt
Review
This process aims to provide an affordable way to get you out of debt as quickly as possible.
Learn More →
Debt
Management
We offer debt management advice to help you regain control of your finances.
Learn More →
Debt
Counselling
As an NCR registered debt counsellor, we formally negotiate with your creditors to reduce your monthly repayments and interest rates.
Learn More →
Our Process
Free Debt Assessment
We review your credit profile to understand your challenges and goals.
Analysis & Recommendations
Receive a clear overview of your finances with tailored debt solutions.
New Repayment Plan
We negotiate lower payments and interest for one simple monthly payment.
Ongoing Support
Your account manager is available for quick, professional assistance.
Become Debt-Free!
Once settled, we provide a clearance certificate, freeing you to achieve your goals.
Why Vantage

Registered with NCR
Vantage Debt Management is registered with the National Credit Regulator (NCRDC 2955) and complies with all regulatory guidelines as per the National Credit Act.

FREE Valuable Insight and Advice
We offer financial assessments and expert advice to manage your debt. You will get a credit report, financial health report and professional advice, all completely free.

Affordable and Flexible Repayment Plans
With our vast experience, industry knowledge and the latest technology we can accurately find the most affordable solution for you. The time it will take to repay your debt is flexible and in your control.

Your Own Specialized Account Managers
To ensure you are always comfortable, you will have a dedicated team to speak to regarding any queries you may have. Our friendly and experienced staff are here to listen and help you whenever you need them.

Ethical and Transparent
We pride ourselves in being open and honest in everything we do. Transparency, honesty & respect is in our DNA.
The impact of debt on
South Africans

40% of credit active
consumers are in arrears

Consumers have arrears
on their accounts

3 out of 10 South Africans
experience difficulty in
repaying debts
Real Stories, Real Results

My experience so far with vantage debt management has been perfect, I was deep into relying on loans to help with my monthly expenses. Vantage was able to help me save alot of money while taking care of the debts I got myself into. Also they have very quick assistance when you are enquiring.
Nompumelelo Mbonane

I would like to extend my deepest gratitude to vantage debt management. when I got on to debt review I had no idea what was i getting my self into but with vantage debt management staff they walk me all the way. thank you very much vantage debt management.
Lindani Lloyd Sikhosana

Wow…first time speaking to a staff she was excellent, treated me like I am actually on of her colleagues whereas I am just a client. Great experience so far, friendly staff, excellent performance and she went into detail explaining and making sure that I understand everything. I would recommend someone obvious. Customer care excellent
Mbuti Mogatoe
Institutions We Work With
FAQs
What is debt consolidation?
This is a process that combines all your monthly debt repayments into one payment. The main aim is to reduce the installments to provide financial relief to the consumer. Debt consolidation itself is not a specific product, but a term used to represent all processes that aim to achieve this goal.
In South Africa, there are two types of debt consolidation: Debt counselling/review and a consolidation loan. Each of these solutions has unique qualifying criteria and benefits. Vantage specializes in helping consumers determine which option would work best.
How does debt counselling work?
Debt counselling was created to get over-indebted consumers out of debt. An NCR registered debt counsellor will assess your entire financial situation and work out if they can assist you with a new, affordable repayment plan. They will then formally negotiate with all your credit providers to reduce monthly installments and interest rates.
A consent order is granted to formalise the new repayment plan. Payments are made through an NCR registered payment distribution agency that distributes the funds to each credit provider monthly. Once all the debt has been paid you will be issued a clearance certificate. Your credit record will be restored, and adverse information will be cleared.
Is there a difference between debt counselling and debt review?
There is no real difference between debt counselling and debt review. Debt review was introduced in 2007 to assist over-indebted consumers. In the early stages the industry experienced some teething issues. In 2013 the NCR introduced stricter rules and regulations to give clients more protection. These amendments to the process have turned it into a successful debt rehabilitation program. As a result of these changes, the process is now formally referred to as debt counselling although the term debt review is still commonly used in the industry.
I have heard some scary things about debt counselling. Does it really work?
It certainly does. Debt counselling is a formal and highly efficient process created and regulated by the National Credit Regulator (NCR) to help over-indebted consumers repay their debt affordably. It is important to note that the quality of the Debt Counsellor used has a significant impact on the outcome of the process. A good debt counsellor should be registered with the NCR, reduce your interest rates, provide you with sufficient and transparent information with a high level of service at all times. At Vantage, we will provide you with a stress-free experience and address any of your concerns.
What is a credit score?
A credit score is a number representing a consumer’s credit risk which is calculated by the various registered credit bureaux. Your credit score is based on your credit profile, repayment history and various other factors. If you have a lot of debt relative to your income, keep applying for new debt and have missed a few payments (known as arrears), your credit score is likely to be low.
If you have a manageable amount of debt that you pay on time each month, you are likely to have a high credit score. Credit providers use this credit score to determine your level of risk and whether they will lend to you and at which interest rate.
How do I repair my credit score?
If you have a low credit score the best way to improve it is to pay your debts on time and catch up on any missed payments. Full and consistent payments over an extended period will positively impact your credit score.
If you have any agreements in legal action i.e. judgment or summons, these need to be settled and removed from your credit profile as soon as possible.
In addition, avoid making excessive credit applications in a short period of time as this will severely affect your credit score negatively.
If you find yourself unable to meet your debt Installments and you cannot catch up on arrears it is very important to speak to a debt management company for advice and to find a solution.
Let’s get started with your free debt assessment
An experienced consultant will contact you to understand your financial situation. We can then recommend the best options to get you out of debt quickly and affordably. In addition, you will get a free credit report & financial health report.