Loans & debt

Short-term credit and debt in South Africa, explained straight: how payday and micro loans really price up, what the NCA caps, why a mashonisa costs more than it looks, what a garnishee order does to your payslip and how to reverse a debit order you did not agree to. Read before you sign anything. SOLmate (SOL Ecosystem) is an authorised FSP (52248) and a registered credit provider (NCRCP16037). Borrow only what your budget can repay.

Loans & debt

Garnishee Order on Your Payslip: What It Means, the 25% Limit and How to Get It Reduced

A garnishee order lets a creditor take part of your pay through your employer. We follow one worker's payslip back to the court: what the words mean, the 25% limit and how an order gets reduced.

Loans & debt

Can You Reverse a Debit Order? DebiCheck, the 60-Day Rule and Where Each Bank Puts the Button

Most debit orders can be disputed within 60 calendar days, but a DebiCheck you approved usually can't. What changed in April 2026, how stop, dispute and cancel differ, and where each big bank puts the button.

Loans & debt

Mashonisa Loans in South Africa: What They Really Cost, the WhatsApp Trap, and Your Legal Options

A mashonisa charges R30 to R50 a month on every R100. What that costs against the legal maximum, why WhatsApp lenders ask for a fee first, what the law says about your ID or SASSA card, and where a legal small loan comes from.

Loans & debt

Micro Loans in South Africa: What a Micro Lender Can Legally Charge, in Rands

A micro loan's price is capped by law. The maximum a micro lender can charge on R2,000 to R8,000, worked out in rands, how to check a lender on the NCR register, and why a loan shark can't keep your ID or SASSA card.

Loans & debt

Loans Without a Bank Statement or Payslip in South Africa: What the Law Actually Asks For

Registered lenders must verify income — but a 2018 court ruling scrapped the rigid three-payslips-or-three-statements list. What lenders can accept instead, why cash earners get stuck, and how to read the ads that promise no statement and no credit check.

Loans & debt

Payday Loans in South Africa (2026): Real Costs, Legal Limits, and How to Borrow Safely

A payday loan can be a legitimate tool or a trap — the difference is knowable in advance. What short-term credit is legally allowed to cost in South Africa, why "no credit check" is a red flag and not a feature, and how offer-based cash advances work.