LoanRating.co.za
Zerodebt

Zerodebt

Debt Counselling · 6 reviews

Naledi KhumaloDr. Marcus Pretorius
Rating compiled by LoanRating.co.za
Text written by Naledi Khumalo, Personal Finance Editor
Material reviewed by Dr. Marcus Pretorius, Credit & Lending Compliance Expert
Last updated: 8 April 2026

How we rate

Each lender is scored out of 10 across five weighted factors: customer reviews (35%), loan terms & cost (25%), transparency (15%), NCR registration (15%), and customer support (10%). We are independent and never accept payment for higher rankings. Read full methodology →

Advertiser disclosure

You're our first priority. Every time.

We believe every South African should be able to make borrowing decisions with confidence. While we don't cover every credit provider in South Africa, we work hard to feature a wide range of NCR-registered lenders and provide objective editorial comparisons you can trust.

Affiliate compensation is one of several factors that may affect which products we highlight or where partner lenders appear within promotional placements. Other factors include loan availability, NCR registration status, customer review volume, and the editorial relevance of a lender to a specific guide or comparison page.

However, these factors do not influence our editors' opinions or our scores. Every rating is calculated using the same independent methodology applied to every lender, partner or not. Our partners cannot pay us to guarantee favourable reviews, hide negative customer feedback, or alter their score. If a partner performs poorly on customer reviews or NCR compliance, their rating reflects that.

User Reviews (6)

See all reviews →
★★★★★Terry Pheko
2026/03/31

Debt-Free and Back in Control

Zero Debt has truly transformed my financial journey. When I started, I was overwhelmed and struggling to manage my debt, but their team provided structured support, clear guidance, and a disciplined approach to debt restructuring. The process itself was not easy—it required commitment, patience, and strict financial discipline. However, the Zero Debt team walked the journey with me every step of the way, ensuring I stayed on track and understood the long-term value of the process. Today, I am completely debt-free, financially stable, and in full control of my finances. I’ve even been able to achieve milestones I once thought were out of reach, including purchasing a home and managing my money with confidence. If you are serious about taking control of your finances and are willing to commit to the process, Zero Debt is a partner you can trust. The journey may be challenging, but the outcome is absolutely worth it

★★★★★Ruth Boice
2026/03/30

Outstanding Service from ZeroDebt

Rating: ⭐⭐⭐⭐⭐ I am very grateful to ZeroDebt for helping me obtain my clearance certificate. A special thank you goes to Jacky Lakay, who I believe is a team leader. Jacky made sure my certificate was sent to all the credit bureaus and kept following up until my name was completely cleared. I truly appreciated the dedication and persistence—she didn’t stop until my record was clean. Thanks to her efforts, I now have peace of mind knowing my name is no longer flagged. ZeroDebt delivered on their promise, and Jacky’s commitment made the whole process much smoother. Highly recommended!

★★★★Jonathan Kleinhans
2026/03/30

Great customer service would like to…

Great customer service would like to thanks Jamiela who was helping me thrrough this journey keep up the good work 10/10.

★★★★★GiGi
2026/03/30

Zerodebt helped me so fast and…

Zerodebt helped me so fast and professional. I was out of debt rewiew under 2years and reffered my friends who are also very satisfied.

★★★★★Yaghya Yaya Abrahams
2026/03/30

Zerodebt has been life safers as I got…

Zerodebt has been life safers as I got myself into debt by not using the right mindset. Also recommended them to a few friends already who they helped

★★★★★Daniel Havenga
2026/03/30

Thanks ZeroDebt

Thanks ZeroDebt. You are the best!

Contact Zerodebt

🌐zerodebt.co.za