Rating based on 7 reviews


  • Your Money - Better Terms
  • Increased cash flow
  • Repayment up to 84 months

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Author Negociate. Screenshot of Negociate website.
[Accessed August 31, 2021]

About Negociate

Debt consolidation is the process of taking out a new loan that is sufficient to settle all other existing loans you have.

This means you can pay off all of your existing loans, debt and credit facilities and only be left with one loan to pay off that is manageable and completely tailored to you. This should ease your stress levels and make your finances easier to manage.

Debt consolidation can offer you a chance to request early settlement discounts for existing loans, debt and credit facilities. This further reduces the cost of debt in the form of interest charges.

Affordable and manageable credit solutions

We at Negociate Credit Solutions provide professional financial services to our customers, using exciting, new and innovative technology and practices.

We’re always up to date with the changing laws in South Africa. Our consultants are responsive, reliable and courteous, and act ethically and accountable at all times.

We focus on six areas and core objectives that represent a variety of services and functions critical to the success of our operations and therefore, success for you as our customer.

Our main areas and objectives include:

  • Provide tools, guidance and advice on how to manage your finances and debt.
  • To provide advice and oversight on the management of your finances to ensure financial health.
  • Provide assistance in the identification, evaluation and mitigation of debt.
  • Provide annual reviews so you can stay on track and be proactive in the reduction of your debt.
  • Ensure that your transactions are processed correctly in accordance with company policies as well as any applicable external policies in a timely manner.

Negociate Services

The services of Negociate are available nationwide to all South African citizens, with flexible terms that suit you.

We offer these professional services in the following sectors: debt consolidation, bond consolidation, debt review, cash sequestration and assistance with voluntary surrender. The ease of access as well as our extensive professional services, make Negociate the go-to choice for many South Africans.

What makes us unique?

We offer good old-fashioned advice and our decisions are made by people and not computers.

We get to know our customers and their situations personally and do not base our decisions on data from a computer as many companies do.

We understand that life gets tough and we’re here to help you. Should you not meet the strict criteria of some debt consolidation institutions, Negociate is here to help. We want to say ‘yes’ to your online loan application and will endeavour to make it a success.

In this process, we also empower and assist you to enhance your financial health and growth. This is to ensure that you receive the best possible solutions available in order for you to apply to many more companies for assistance and get credit free quicker.

We endeavour to provide fast and reliable service that’s transparent and flexible. We don’t charge any hidden fees and are 100% open with our clients throughout their whole journey with us.

With Negociate, you can also expect decisions and approvals to be made within a day or two of applying, making your journey to success quicker.

With our speedy response time, we also offer flexibility. All our customers have different needs and we’re here to serve them.

Negociate – Consolidation loan

  • Loan Type Debt consolidation
  • Repayment 84 months

Benefits of Negociate

  • A simple loan application
  • Lower interest rates
  • Increase your cash flow

A quick and seamless application procedure

Our simple 3-step application process for credit solutions is seamless, responsive and quick.

All applications are made online. No need to sit for hours to complete an online form, our online application can be completed within minutes.

Once you’ve submitted your application, you can expect a response within a day or two. We also offer a call-back request service should you want more personal advice from one of our professional consultants.

Benefits of credit solutions from Negociate

One great benefit is that non-credit-worthy clients can apply for all the services that we offer – from our debt consolidation loans to voluntary surrender.

The benefits of our debt and bond consolidation services include reduced monthly installments of up to 40%, a clear credit report of, one payment, a 20% discount on debt settlement and helping you become credit worthy within 12 months.

Benefits of our debt counselling services include reduced interest from 25% to 10% and expected credit-free status in 48 to 60 months.

Benefits of our cash sequestration and voluntary surrender services are extensive – anything from 0% interest charges to 75% reduction in debt and being credit worthy within 48 months.

Customer Reviews & Testimonials

October 2019

I managed to clear my debt so much that I could take out a home loan. Could not have done it on my own – Thank you Negociate!

Anna S
— Port Elizabeth —

September 2019

I had a lot of student debt that prevented me from advancing in life. After the consultation, I could eventually afford a car loan.

Steward G
— Kimberley —

December 2019

It’s better to pay back R12 000 debt than R20 000 debt, thanks to Negociate’s reductions.

Melani H
— Alexandria —

Negociate Contact

Physical Address

  • Maxwell Office Park, Building 4, Magwa Cres, Waterfall City Midrand 2090 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed