Quick & easy

Consolidate all your loans into one reduced payment today

    Maryke Van Zyl
    Maryke Van Zyl
    2024-03-26
    Thanks to Celina for acting so fast in issuing my clearance. Nice to have financial freedom again.
    Chantell Miller
    Chantell Miller
    2024-02-22
    Céline was a God sent! Managed to sort an issue out that I was struggling with for months, Thanx for great service
    melanie abdoll
    melanie abdoll
    2024-01-22
    Excellent service, highly recommend using them.
    Ana Karriem
    Ana Karriem
    2023-12-08
    The most outstanding debt review company to ever to deal with. Any issues are solved efficiently, consultants get back to you quickly. I cannot fault them on anything in fact I advise anyone wanting to go under debt review to make use of this company from my own experience.
    Kobus Rossouw
    Kobus Rossouw
    2023-10-19
    I recently needed some urgent assistance with a payment holiday and got exceotional feedback and support within days.
    Kopano Malphy
    Kopano Malphy
    2023-09-29
    Pay plan solutions is a great debt review company and its genuine and legit. Happy to be assisted by one of the consultants Simone. she is the best, has time for her clients and care a lot.
    Lorita (Lo)
    Lorita (Lo)
    2023-09-05
    Extremely happy and satisfied with Pay Plan Solutions! The debt review process was explained thouroughly and every question I had was answered. Customer service was amazing! I have received my clearance certificate and will definitely recommend this company to anyone in a similar position!
    Deidre Abrahams
    Deidre Abrahams
    2023-07-21
    I have been with Pay Plan solutions ever since my divorce and they help me achieve being debt free... They are promo in communications and always will to assist when things are not of a clear understanding. It's been 4yrs and the best decision I made to have them restructure my debt. TODAY I AM DEBT FREE THANK YOU PAY PLAN SOLUTIONS
    Connie Nchaupa
    Connie Nchaupa
    2023-06-30
    I remember when I lost my job and got a less paying job. I had too many different credits cards and loans. When it was time to repay, I would remain with a little money to carry through the month to the next. I then saw a post on Facebook about Pay Plan Solutions, and there and than I took the details and sent an email. It was the best discussion at that time as I was able to have enough money to cover other expenses for the month. In no time most of my accounts were paid up. Today I'm debt free and understand more about credit cards. The installments you pay monthly may seem a bit little when you take or open credit cards, but the moment you put together all the small amounts you will realize that it's actually a big amount to repay. Be smart and think Save than too mang credit cards.😊

    Debt review is a


      process to restructure your debt into one easy payment
      way to improve your credit score and clear your credit record
      plan to increase the amount you have for day to day living expenses
      solution to get you out of debt faster
      strategy to protect your assets like cars and houses
      return to complete financial wellness

    Our process

    in 5 simple steps

    Our Services

    How can we help you gain financial freedom?

    Free information

    Find all the resources that you will need to find out more about getting debt-free, to secure your financial freedom

    Find out more

    Family Finance Advice & Divorce

    A marriage in community of property is undoubtedly the cheapest and most popular form of all the matrimonial regimes, although deeply flawed. In this form of marriage, the spouses’ estates (what they own/assets and any debt/liabilities) are joined - Maurice Phillips | Wisenberg

    Find out more

    Business Rescue

    Business Rescue is a process that will work for certain companies under very specific conditions...

    Find out more

    Corporate Employee Financial Wellness

    We provide two solutions to staff who are constantly worried about month-end instead of focusing on work, HR Managers this is for you.

    Find out more

    Our mission


    At Pay Plan Solutions we eat, sleep and breathe financial wellbeing!

    Whether you’re an individual in your personal capacity, family, divorcee, business or an employee seeking financial stability; we will do our absolute best to get you credit worthy again.

    We strive to make sure that the process we follow is one that is fair and transparent, for our client’s peace of mind we offer our NCR certificate upon request.

    The debt counselling process to those that are uniformed has plenty of negative connotations and may seem rather daunting. Here at Pay Plan Solutions our staff ensure that you have a positive and well-rounded experience from start to finish.

    You can trust us


    There are a few elements that we believe set us apart from many others. We have been helping consumers with Debt Counselling applications since the beginning of 1999 and we are registered with the National Credit Regulator.

    Our director, Eugene Cilliers, is an active member of DCASA (the Debt Counsellor’s Association of South Africa) and served on the National Executive committee since 2012.

    We strictly adhere to industry codes of conduct to make the debt counselling process as smooth as possible. Sticking to the codes of conduct allows us to get full consent on all relevant aspects for our clients, which in turn allows us to submit applications to the National Consumer Tribunal instead of a Magistrate’s Court.

    For a copy of our registration certificate, send an email to: