Consolidation Loans

Benefits of consolidation loans
1.Easier to manage, with just one monthly payment to think about
2.Track how much you have left to repay, giving you a clearer idea of when you’ll be debt-free
3.Potentially reduce your monthly outgoings, particularly if you’re currently paying high interest rates across different debts
4.A fixed-rate loan is easier to keep track of. Simply pay the same amount on the same date every month
5.It can be quicker to pay off just one loan, and reducing your debt can help to improve your credit score
6.With us, we won’t charge you penalty fees if you want to settle your loan early or make extra payments either

* Debt consolidation loans may be beneficial where the level of interest paid is lower than that of the debts consolidated. However, while consolidation debts may help reduce the amount you pay each month, spreading the cost over a longer period may result in additional interest payments overall depending on your individual circumstances. If you are considering taking out a loan as a way of managing debt, it’s advisable to seek free debt advice from us before doing so.

To apply for a debt consolidation loan?
Apply online on our website and send the required supporting documents via email to
1. Copy of ID or passport
2. Last 3 months bank statements or payslips

Application takes less than 5 minutes. Apply Now

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Finsap Loans is a direct loan lender offering different loan types.

More about our products

Personal Loans

Our approach to lending has always been, and always will be, personal. We’ve helped individuals in South Africa, but we know that every customer - Find out more.

Business Loans

Business loans are very common and one of the first options for businesses looking to raise finance.
The lender provides money that you, as the borrower, pay back - Find out more.

Debt Consolidation Loans

A debt consolidation loan is designed to help you get on top of any outstanding credit you have by moving some or all your debt - Find out more.

Home Loans

Our award-winning range of home finance products let you release tax-free cash from your home, second home or buy-to-let property, without the need to sell or transfer ownership. – Find out more.

Loans for Blacklisted

Many people believe that by having a bad credit history you are barred from being able to get a loan in the future and that your details – Find out more.

PayDay Loans

A payday loan is a short-term, small loan that you repay once you receive your next pay – Find out more.

Home Improvement Loans

A home improvement loan allows you to spread the cost of your project with a clear view of what you'll pay each month from the start – Find out more.

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