Loans while under debt review
While you are under debt review you cannot take on new credit, and no registered credit provider may grant it to you. That is not an obstacle in the process — it is the process. This page explains what debt review actually does, and what your options are if you need money during it.
What this actually means for your application
Debt review restructures what you already owe into one affordable payment and, once the court order is granted, protects you from legal action and repossession while you keep to it. The trade-off is that you are flagged at the bureaux as under debt review and new credit is closed to you until you are issued a clearance certificate.
A lender that offers you credit while you are under review is either not checking, or not registered. Accepting it puts your review — and the protection it gives you — at risk.
If your circumstances have changed materially, the right route is back to your debt counsellor to have the arrangement revisited, not to a new lender. And if the review is nearly complete, the clearance certificate that follows removes the flag and restores your access to credit.
ZarCash does not link to credit for people under debt review
We do not present loan offers on this page. Doing so would be steering you toward something no registered lender may lawfully grant you and which would put your court protection at risk. The useful contact here is a registered debt counsellor or the National Credit Regulator, not a credit provider.
Check these three things before you sign — here or anywhere
- The lender’s NCRCP number is published on its own site, and it checks out in the National Credit Regulator’s register.
- The pre-agreement quote breaks out the total cost of credit: interest, initiation fee, service fee and VAT — as one figure you can compare.
- Nobody asks you for an upfront “release fee”. A registered credit provider never charges you before it pays out.
Related
Sources and last checked
- National Credit Regulator — register of credit providers — Regulator, as at 10 August 2026.
- National Credit Act 34 of 2005 and its regulations — Government, as at 10 August 2026.
Page last checked 10 August 2026. Statutory caps and lender terms change — confirm anything you intend to rely on with the provider or the National Credit Regulator. Found something wrong? Tell us and we will correct it.