
6.1/10
Our Score
Rating Breakdown
77 reviews
✓ Verified
🛡️ Our Honest Take
Here's the thing about Credit Salvage. They occupy a space that a lot of South Africans genuinely need, short-term credit for people whose records aren't clean. But occupying a space and doing it well aren't the same thing.
Let's start with the rate. At 35% per annum, Credit Salvage is actually more restrained than many short-term lenders in this category. On a loan of R5,000 over 90 days at 35% per annum, you're looking at roughly R430 in interest, bringing your total repayment to around R5,430. That's not nothing, but compare it to some competitors charging 60% per annum or more, and it starts to look reasonable. The rate alone isn't the problem here.
The bigger issue is accessibility and transparency. There's no active website listed for Credit Salvage. So if you want to check their rates, read their terms, or even confirm their NCR registration before handing over your documents, you're stuck making phone calls or walking in somewhere. In 2026, that's a real obstacle. Most South Africans are comparing lenders on their phones at 9pm, not during business hours.
So what do customers actually say? Based on the 63 reviews we collected, the trust score sits at 6.8 out of 10. That's a passing grade. People don't seem to be reporting horror stories, but nobody's raving either. The feedback pattern suggests a serviceable experience without much standout quality.
Who does this work for? Someone who's been rejected by the bigger lenders, needs a small amount quickly, and can tolerate a less polished application process. If that's you, Credit Salvage might get the job done.
But if you have options, look at lenders ranked higher on our list first. Our overall score for Credit Salvage is 6.1 out of 10. Functional, but not the first place we'd send someone.
All Reviews (77)
Happy client
I would like to thank Kelebogile Serathi from Credit Selvage to remove me from blacklisted. Thank you very much for the best service you rendered to me. I really appreciated
KELEBOGILE
Credit salvage is the best, with three months my credit score was up the roof after i was under debt review that to Kelbogile she was the best in updating me all the time until i bought myself a brand new HAVAL h6 GT. BIG UP TO kelebogile
My Sincere Appreciation to the Team
Thank you. This is the most wonderful and grateful service. I am indebted to you and will always cherish the great service rendered. You guys are wonderful and dedicated to your services.
Excellent customer service
I'd like to express my gratitude to Chemonay for the outstanding service , my husband had this huge account that was blocking him whenever he tries to apply for credit but she managed to negotiate for prescription .
Debt review removal
A great service I received from Credit Salvage, Reliable company. Kelebogile was the 1 handling my file, I loved her professionalism, also very kind and understanding. Keep up the great work guys❤️
Credit Salvage
I had a great experience with Mrs kelebogile serathi.... She is very kind, respectful and efficient.... Mrs kelebogile serathi your service to me was excellent you kept on updating me all along this journey.... And I thank you.... Please keep on doing the good work..... From Moses Moroke... And I thank you again 🙏🙏🙏
KELEBOGILE
The customer consultant was very helpful and supportive to the best of my satisfaction and I will never hesitate to recall again for other services in the future if needs be.
Credit Salavage Cleared my Name
Thank you so so much Credit Salvage best decision we ever made to use your services. You have changed our lives . To the young lady Chemonay Tarr your persistence and constant following with us to push for signatures and paperwork. up made this happen god bless you and i strongly recommend Credit salvage to anyone that wants to clear their name . Wishing you guys alot of success
Flag Removed
I really would like to Thank Credit Salvage for all the help I received over the past months. You have changed my life and given me hope again, the flag is lifted I feel like I am dreaming. The service you provide is very good and appreciated, also the most consistent consultant that was with me through out Chemonay Tarr(Thank You).
Happy Customer
I would like to thank sister kelebogile for her help. I can now get credit all thanks to her and credit salvage. You guys are the best.
Debt review removal
I was helped by Chemonay Tarr for my debt review removal and listen, the professionalism, the amount of time it took to remove, the service was exceptional. I highly recommend this company, they are the best. Thank you so much Chemonay and the whole team at credit Salvage
Great experience
Had a very good experience with credit salvage being assisted by Chemonay
Credit Salvage best service ever
Many thanks to Chemonay for her outstanding & friendly service. Credit Salvage has given me financial freedom once again, I will be forever greatful to the team. Excellent service team.
Unfair default
I am writing to express my disappointment and frustration with the way my account has been handled. I signed up with Credit Salvage for credit clearance services as a returning customer, after previously using your services and referring several clients to your consultant, Sindile. However, after one failed debit order due to unavailable funds, my account was immediately placed under default without fair consideration or proper service delivery. After being contacted regarding the failed payment, I informed your team that my payments were delayed and proposed to make a deposit instead. This was refused, and I was told it was not allowed. I find this extremely unfair, especially considering that no actual credit clearance services had yet been carried out on my account. It is unacceptable to place a customer under default when no service has been rendered. As customers, we should only be expected to pay for services that have actually been provided. Furthermore, many of the people I referred to your company have experienced similar issues: multiple follow-ups, ongoing deductions, and very slow or non-existent service delivery. I trusted Credit Salvage based on my previous experience, but this has left me highly disappointed. I would like a clear explanation for the default listing and immediate rectification of this matter. Kind regards, *****goe Tsoaeli
Suggest Credit Salvage
Had a Great Experience with Kelebogile. Very respectful and efficient and keeps you informed about the progress.
Kilebogile
Kilebogile's service to me was excellent , she really helped me alot.
Satisfied customer
Another happy and satisfied customer. Thanks to Miss C.Tarr, for an unwavering support throughout the difficult journey. I am now able to apply for a homeloan successfully.
I'm a happy customer
I Just want to thank Kelebogile Serathi from Credit Selvage for assisting me on August 2024 with Debit Removal. I've been ****med since from 2018 till I found best people who made me today to get Loans again. I'm extremely happy for the Service that Kelebogile gave me. It only take 3 weeks then my name was cleared from Credit berue. All those who still struggling please don't hesitate to contact Credit Selvage they will give you a best service. Thank you so much Ausi Kelebogile for the best service you rended to me.
Great experience
Very happy with the service offered and the payment options available. Great experience overal
Debt review removal
I would like to thank the Office Administrator - Chemonay Tarr for the excellent service. Thank you for assisting me within two weeks after struggling for so many years. I really appreciate your kind heart
Dept review
I was assisted by Kelebogile on my account, great service i was given updates from start to finish 10/10
BEST service
Best company ever yhooo not to mention chemonay she was so helpful and kept me updated from the get go throughout the whole process she is the BEST..I'm am finally out of debt review #credit salvage came through for me100%
Dept review removal
My wife and I were feeling stuck and stressed about our dept until we found this amazing lady by the name Kelebogile Serathi from credit Salvage. She help us navigate the depth review process she manage to explain everything and got us back on track . We're so grateful for her support and guidance - she really went above and beyond. If you are struggling with depth, I highly recommend reaching out to Credit Salvage . They truly care about their clients and wants to help. We are now free from depth review. Thanx to Kelebogile Serathi from Credit Salvage. # happy client 😊
Happy Customer
I would like to Thank Kelebogile, a consultant from Credit Salvage who has been very helpful thorough my debt review removal, any time I contact her she responds to my query swiftly. She's dedicated, focused and always sharp when you talk to her. I thank you Kelebogile.
10/10 - Highly Recommended
I had an amazing experience with Credit Salvage! Their service was professional, efficient, and truly life-changing. Chemonay Tarr was absolutely incredible – her attention to detail, clear communication, and dedication made the entire debt clearance process smooth and stress-free. She kept me updated every step of the way and ensured everything was handled perfectly and on time. I couldn’t have asked for better service. Thank you to Chemonay and the team for helping me get back on track financially. I’d recommend them to anyone looking for reliable and trustworthy credit and debt assistance!
A Wonderful Experience Thanks to Chermonay🎉
I had the pleasure of being assisted by Chemonay from Credit Salvage, and I must say—her service was nothing short of outstanding. She handled my case with professionalism, patience, and genuine care. Chemonay went above and beyond to ensure everything was clear and smooth, making a potentially stressful situation feel effortless. I’m truly grateful for her exceptional support and highly recommend Credit Salvage to anyone needing reliable assistance.
Exceptional Service
I am not easily impressed or often moved to publically compliment service. In this instance both are absolutely necessary! I engaged Credit Salvage some months back to assist me.with - what turned out to be - an extremely challenging process of debt review cancellation. After initially registering my case through their website and engaging with who I believe was one of their advisors, my case was transferred to Chemonay. I would have to write an essay to fully cover the complexities, challenges and obstacles faced in my case. However, through each step of the process Chemonay demonstrated a level of professionalism and tenacity Ive seldom seen. When even I was ready to "throw in the towel" she didnt, and several months and many challenges later, my case is resolved - all thanks to her!!! I would not only recommend Credit Salvage's services to anyone needing debt management services, I would go as far as to INSIST you make use of them! Chemonay, you are a ROCKSTAR and an undeniable asset and ambassador to your business! Thank you for what you did for me, and for proving that exceptional service and integrity still exists!!!
Credit Salvage
I would like to Thank Chemony Terr, a consultant from Credit Salvage who has been very supportive thorough my debt review romoval, any time I enquire she responds to my query promptly. She's dedicated, focused and always a breeze to talk to her. I thank you Chemonay.
Satisfied customer
I appreciate the assistance and my credit management technique i received from Mrs C . Tarr. She showed that she is a professional credit advisor. All the boxes have been ticked, from credit bureau,banks etc.i am now free and thank you in advance.
A True Credit Champion: Going Above and Beyond
I want to take a moment to express my deepest gratitude to Chemonay whose unwavering support and exceptional guidance have made a profound impact on my financial journey. From the very beginning, she demonstrated not only expertise in credit management but also a genuine commitment to helping me succeed.
Credit Report Fixing
Great company to help you get your credit report sorted. Although I would love to give 5 stars I can only give 4 due to the fact that there can be some improvement on there communication. With all of this said I highly recommend. process was smooth and my report is fixed and my score is up.
Review for Mr Chamoney Tarr
The service I have received from Mrs.C Tarr was the best service I have ever received from anyone. She really deserves the credit and a perfect approval that I will most definitely recommend family and friends to make contact with her.
Debt prescription removal
At first I was sceptical but the customer journey experience I received was second to none. Chemonay Tarr and the team are the best
Credit salvage
I want to thank Kelebogile Serathi for helping me get my debits prescribed Thank you credit salvage
Honest and True
Absolutely fantastic. True to the Word Sindile and Team. Kept me informed every step of the way and kept to the timeliness they promised.. Thank you for your Great Service
Highly recommended
The Company provided me with consistent communication and professionalism throughout my credit improvement journey. My credit score is steadily improving, and I’ve felt supported every step of the way. A special thank you to Chemonay Tarr her expertise and dedication ensured I was always well-informed and confident in the process. She handled everything with care and clarity. Highly recommended
Debt review flag removed
I dealt with Chemony , very prompt with her promises. Resolved my issues ahead of time . Would definitely refer anyone with similar issues
Excellent services
Excellent services from Ms Tarr and the company. They work swiftly and keep me updated via emails and calls everytime theres improvement.
Dept review clearing
I would like to say thank you to Kelebogile whom she assisted me to fix my credit as i was under dept review, her service was excellent and i was happy me and my Family now have acquired a HomeLoan with one of the biggest banks which is something we were longing to have for a long time. Thank you very much to them for being able to assist us
Impressed
I saw them on google and my problem was solved within a month, yhey communicate now and then…I’ll refer my colleagues /family members.
Debt review removal- Success!
I'm so happy with the assistance that I got in my debt removal process. Special thanks to Kelebogile Serathi! She is my hero. She kept me posted on the whole process. I'm finally out of debt review.
Debt review removal
There's this lady called kelebogile she is excellent 👌 👍 very good,she keeps you updated on the progress of your case, she's very friendly and she works fast...she really changed my life. Thank you 🙏
Magic ⭐ thank so much on credit salvage
M taking this opportunity to you guys to say thank you what you have done for me because way not easy for me to see myself on this big problem thank so much guys . I won't forget what you have done thanks again . I didn't expect Credit Salvage can make so soon to remove my name on debt review thank you 🙌🙌🙌
Great, trustworthy, professional service
Great service from Chemonay and Sindile in getting me removed from debt review. They kept me up to date and were always availbvale for questions. I selected the 'fast track' option and they delivered credit clearance really fast. They were professional and a pleasure to deal with. I would highly recommend them.
Excellent Service and Outstanding Results!
Chemonay Tarr did an amazing job helping me with my credit profile. They negotiated a much better deal for me and were professional, efficient, and supportive throughout the process. I’m really grateful for their help and highly recommend their services!
Great service!
Exceptional service from Kelebogile. Clearing your credit record is quite a lengthly process (6 months) but between their online system and the constant updates, you know exactly what is going on.
Debt review removal
I am forever grateful to Kelebogile & Sindile for the fenomenal service provided. I was treated with upmost respect and understanding. The process was quick and efficient, without requiring any effort from me. I wish I had found you sooner. Thank you for the amazing work and dedication. I wouldn't give you 100 stars if I could.
Need your bad credit cleared? trust Credit Salvage
I've had an exceptional experience with Chemonay Tarr. Her service was way beyond my expectations and the way she conducts herself is simply remarkable. She made me feel like I was the only customer they're dealing with. To be honest, this was my first time being assisted by someone who is so professional, patient and humble. The way Chemonay was committed and so determined to clearing my bad credit with the bureaus, it's just priceless. Special thanks to you Ma'am Chemonay, I highly appreciate what you've done for me. And thank you to Credit Salvage Corporation SA, I wouldn't have achieved this goal if it wasn't for you.
Credit Salvage
Words can't expression how grateful I'm with the service I have received from Chemonay Tarr . From the beginning to end Chemonay Tarr displayed clear knowledge of the process and services provided and indicated her strong knowledge of where I stand and the next steps forward for me. Her service was exceptional and truly remarkable. Thank you so much Chemonay
Chemonay Tarr - Credit Salvage Corporation SA (Pty) Ltd - Excellent Service
I was assisted by Chemonay Tarr. She was nothing short of diligence and just phenomenal. Her rate of response was so impressive. The service she and her company and associates provided me was impressive. Super convenient, efficient and effective, especially as someone who travels out of the country so frequently...she was able to effectively communicate with me regularly regarding the status of my credit inquiries and credit profile. Thank you again, Chemonay!
Life-Changing Credit Repair Experience
I had an outstanding experience with Credit Salvage Company and can confidently say they are among the best in the business. From start to finish, their professionalism, transparency, and commitment to helping their clients rebuild and repair their credit were nothing short of impressive. What stood out the most was their personalized approach. They took the time to understand my unique situation, explained every step clearly, and worked tirelessly to improve my credit profile. Within a few months, I saw significant improvements that I never thought were possible. Their customer service is top-notch—always responsive, patient, and genuinely caring. They don’t just treat you like a client; they treat you like family. Thanks to Credit Salvage, I now feel empowered and confident about my financial future. If you're looking for real credit repair with real results, Credit Salvage Company is the way to go. Highly recommended! Thank you Mrs Kelobogile and Credit salvage
Outstanding Service
I liaised with Chemoney Tarr regarding my Debt Review and possible removal from Debt Review. Ms Tarr sat with me for 30 min or more providing a detailed explanation of where I stand in terms of my Debt Review and Credit rating. From the beginning to end Chemonay Tarr displayed clear knowledge of the process and services provided and indicated her strong knowledge of where I stand and the next steps forward for me. Thank you for your outstanding Professionalism and Client Centric attributes for the best way forward.
Very good service
This company was very good and treated me with respect. They had a sense of urgency and kept me updated with the progress of my case, I definitely recommend them.
PT
Great service and prompted response received from Kelebogile, Silindile. Keep up the good work.
Credit repair
I had the pleasure of being assisted by Chemonay from Credit Salvage, and I must say her service was exceptional. She handled my concerns with professionalism, efficiency, and above all, genuine kindness. Chemonay made the entire process smooth and stress-free, and I truly appreciate her patience and willingness to help. It’s rare to come across someone so dedicated and compassionate in their work. Thank you, Chemonay, for your outstanding support!
Truly impressive - excellent service
I had an excellent experience Kelebogile Serathi, from start to finish, she was professional, knowledgeable, and incredibly patient. Every question I had about my credit profile was answered clearly and with genuine care. She took the time to explain the steps needed to improve my credit, and their guidance made a noticeable difference in a short period. I never felt rushed or dismissed—they made me feel like a priority. Highly recommend this service to anyone looking to take control of their credit with the support of a truly dedicated team.
Excellent Service
Dear Chemonay Tarr, I would like to extend my sincere appreciation for the excellent service and continuous feedback you have provided. Your dedication and professionalism have not gone unnoticed, and it truly makes a difference. Thank you for your outstanding support. Warm regards, Jan Nel
I would like to than...
I would like to thank credit salvage for all the services they've offered me especially the staff Ms Kelebogile Serati she was so hands on in my case up until today I would love to recommend them to anyone with Credit issues
Debt review clearance
Hello Peter I really appreciate credit salvage corporation for helping me become credit worthy they helped me clear my debt review red flag thanks to the lady called Kelebogile she was really helpful I recommend anyone who wants to be helped to not hesitate and contact credit salvage thank you
Kelebogile
Thank you for a great service from credit salvage. A special thanks to Kelebogile, she took me through the journey until the end, I appreciate her frequent feedback and coutessy calls she made to make sure that I'm happy. Thank you once again, I can now refer my friends to you.
Chemonay Tarr
Chemonay Tarr from Credit Salvage has been really helpful in my credit dilemma. Great communication and insightful.
Oustanding service.
Chemonay and Sandile are very helpful and will keep you informed every step of the way during the process. Very positive experience
Client Centric Service
Quality client centric service. Chemonay Tarr has been amazing, even providing regular updates and answering any questions. Thank you for saving my credit record.
Great service
Excellent service. They always respond to your queries timeously, provide updates on your matters frequently and are always happy to answer any questions you have. My matter was resolved with no glitches
Credit clearance
The customer support was fantastic! They quickly resolved my issue and were very friendly
_
I wanted to take a moment to express my deepest gratitude for all your help with [REMOVING DEFAULT]. Your generosity with your time and energy made what seemed impossible become manageable. I especially appreciated how your advice and follow up on my profile. i know you for more 3 years now but you never change instead you are more friendly and intelligence!!! People like you make the world a better place, and I'm fortunate to get help from you CHEMONAY TAAARRRRRRR!!!!!!!!! -Bhuti Ngwenya-
Friendly staff and useful service
Great service and friendly staff. All queries and services were handled professionally and on time. I worked with an attorney named Chemonay, who was very helpful and knowledgeable throughout the process and I've seen definite progress in my credit score and was approved for a credit card with ABSA after 3 months.
Refreshing and Relieving - 2 words to describe my Interactions thus far
I just wanted to write probably a very early review. I still in the very very very early stages but I have been taken aback by the excellent service of Chemonay and Sindile thus far. Its really remarkable, I still have a ways to go but so far I would definitely recommend anyone who wants help getting their name cleared and listsing resolved to contact Credit Salvage. I will write another review at the end of the process but I am so far impressed.
Excellent service
I recently had the pleasure of working with Credit Salvage Corporation SA, and I couldn't be more satisfied with the experience. From the very beginning, they kept in touch with me every step of the way, ensuring that I felt informed and supported throughout the process. Their communication was exceptional, making me feel valued as a client. I want to extend a special thank you to Chemonay Tarr. She was incredibly professional and attentive, guiding me expertly and addressing all my concerns with patience and clarity. Her dedication made a significant difference in my experience. Overall, I highly recommend Credit Salvage Corporation SA for their outstanding service and commitment to their clients. Thank you for everything!
Appreciation for service provided by Credit Salvage.age
I just want to thank Credit Salvage for clearing most of the negative flags on my credit report through credit Bureau. My credit score has improved immensely and my credit report looks good and am truly grateful for the service provided. I am still unable to get credit yet perhaps it's because it's still too soon after the file was completed by Credit Salvage but it's promising. My sincere and heartfelt appreciation for the professionalism shown by Sindile from Credit Salvage. There were times when I wasn't getting response when I ask questions regarding information from Credit bureaus which were sent directly to me or when a person assigned to help me wasn't keeping to promises made or not responding to my queries for over a week or two, when I refer the matter to Sindile he would always attend to it immediately and apologise for all misunderstandings and delays in responding to my concerns. Thank you for your help. Remain blessed always.
Great service by Chemonay
Apart from it taking a while (I am just impatient), the overall experience was great! Chemonay was thorough, kept me updated often and even sent me the links to various credit bureaus to keep track of my credit scores after. 10 out of 10, would recommend!!
No responses from Sindile
Initially I received great service from Sindile, however it has gotten to a point where I get no response or updates on outstanding matters. It has been over 3 months and there has been no resolve, which has now resulted in my credit profile showing defaults. It seems that the consultants are great up until they need to sort out the admin.
n
Best service, Friendly staff, always keeps you up to date
Refusal to terminate services and unhappy with service
I have sent a request via email and on the portal to terminate services, however I have received no response on the process to do so. I have older accounts on my credit profile such as lime and finchoice that need to be removed but there's been a focus only Woolworths and Absa for the last three months,. As such I no longer want the services as i am not being assisted how I thought I would be. I am not able to take calls during working hours and I have indicated that. But. My request remains
Appreciation
My experience with Credit Salvage was an excellent one. Credit Salvage has cleared my name and opened a magnitude of doors for me and I would love to thank them for that an acknowledge their prestigious work. Thank you so much, your hard work is highly appreciated. Keep up the excellent work!
Excellent service
What a wonderful journey I am having with you guys. Thank you Kelebogile nad Sindile for you highly professionalism and dedication. It took you guys less that 30 days to remove the debt review flag after 3 years of trying. I'd like to give my full gratitude to both awesome employees Sindile and Kelebogile. In the future I am going to recommend Credit Salvage to everybody I know who has the same problem. Keep up the good work guys. Thumps up.
Excellent service
By the time I got to Credit Salvage I had fallen prey to an ************ debt counselor and was at my wit’s end on how to extricate myself from this situation. Sindile and Kelebogile calmed all my fears and immediately set my mind at ease that there was light at the end of the tunnel. I can’t thank them enough for their support, hard work, and commitment to getting a positive resolution to my case. Thank you both so much!!
Want to see loan conditions?
Check interest rates, requirements and how to apply before making a decision.
View Credit Salvage Details →