Loans & Guides

We Compared Rates, Fees & Payout Times of the best instant loan apps in South Africa. By Princella Esther Agyei Certified Credit Counselor & HR Manager, HR People Associates Life happens fast. Your car’s alternator dies a week before payday, a medical emergency pops up, or you have an unexpected family obligation. In these moments, waiting days for a traditional …

By Princella Esther Agyei Certified Credit Counselor & HR Manager, HR People Associates It’s a word that can cause instant panic for any South African: “blacklisted.” For years, it has been used as a financial death sentence, a term that suggests all doors to credit are permanently slammed shut. If you’ve been told you are “blacklisted” or fear that you …

By Princella Esther Agyei Certified Credit Counselor & HR Manager, HR People Associates Another Stage 4 notification flashes on your phone. The lights go out, the Wi-Fi dies, and the familiar hum of the neighbourhood generators begins. As we navigate another year of persistent load shedding in August 2025, the dream of an uninterrupted power supply feels less like a …

By Princella Esther Agyei Certified Credit Counselor & HR Manager, HR People Associates There is a formal, legal process designed to protect you and help you regain control: Debt Review in South Africa. Feeling like you’re drowning in monthly payments? Juggling calls from creditors? For millions of South Africans, this financial pressure is a daily reality. When your debt becomes …