Designed specifically for South African government employees. Regulated under the NCA and FSCA.

One Loan. One Deduction.
One Less Thing to Worry About.

If you're a government employee with multiple loans coming off your bank account every month, there's a better way. Reset settles your existing debt and consolidates it into a single, structured payroll deduction so you take home more, stress less, and never miss a payment.

You can apply regardless of your credit score. Because repayment is deducted directly from your salary through payroll, many applicants who have been declined elsewhere may still qualify. Subject to affordability assessment.

See how much you could save How It Works

R10 000+

Average monthly savings *

1 deduction

Replaces many

* Savings are based on representative client outcomes. Your actual saving will depend on your individual debt profile, existing loan terms, and affordability assessment. Every client's outcome will differ.

See how much you could save. No commitment, no credit check.

Apply Now
How It Works

A simple process from application, to financial relief.

Four steps to replace multiple deductions with one structured, affordable payroll deduction.

01

Apply Online

Choose your path and submit your application in minutes. No branch visit required.

02

Assessment

We review your profile, existing deductions, and affordability to find the right consolidation structure for you.

03

Approved & Payroll Deduction

Once approved, your consolidation loan is set up and a single deduction is loaded onto your payroll. Your existing qualifying debts are settled directly.

04

Financial Relief

You receive your salary with one clear, predictable deduction and more money in your pocket every payday.

A Real World Example

See the difference it makes in real numbers.

This is a representative example based on a typical government employee profile. Your actual saving will depend on your specific deductions and affordability assessment.

Sample profile: Thabo

Administrative Officer · Department of Education · Salary Level 7
Before - Multiple Deductions
Personal Loan R3 800 / month
Bank Loan R2 900 / month
Handed-Over Account R2 200 / month
Short-Term Loan R1 900 / month
Short-Term Loan R1 700 / month
5 Deductions R12 500 / month
→ Reset consolidates
After - One Consolidation Loan
Reset Consolidation Loan R3 500 / month

Why is the new payment lower?

The saving comes from settling high-interest short-term loans and handed-over accounts previously running as debit orders against Thabo's bank account and replacing them with a single structured loan at a regulated interest rate, repaid via payroll deduction. Less interest. Less admin fees. One payment.

1 Deduction Total R3 500 / month
Monthly saving R9 000

Over 12 months, that’s R108 000 that was previously leaving Thabo’s bank account via debit orders now staying in his pocket.

Disclaimer:

This is a representative example only. Actual savings, repayment amounts, and outcomes will differ depending on your individual debt profile, credit history, existing loan terms, interest rates, and affordability assessment. All figures shown are illustrative. Every client’s situation is unique.

Find out what your single deduction could look like.

Apply Here
FAQs

Questions we get all the time

Clear answers to help you understand how it works and what to expect throughout the process.

Applying for a consolidation loan results in a credit enquiry, which may have a small short-term effect. However, settling multiple open accounts and maintaining a single consistent payroll deduction typically improves your credit profile over time. Multiple high-balance accounts are generally more damaging to your score than one well-managed loan.

Your employer’s payroll department will be notified to load the deduction – this is a standard administrative step. The nature of the deduction remains confidential and is handled professionally.

Reset settles your qualifying debts directly with your creditors. These are typically debit order-based loans – personal loans, short-term loans, handed-over accounts that are currently coming off your bank account each month. Once settled, those debit orders fall away and you receive settlement letters confirming each account is closed. This typically takes 30 to 60 days.

Your most recent payslips, three months of bank statements, and a copy of your ID. A Reset consultant will confirm exactly what’s needed based on your profile.

Yes. Reset is registered under the National Credit Act and licensed with the FSCA. All consolidation loans are issued in full compliance with NCA affordability and interest rate requirements.

Yes. Handed-over accounts debts passed to collection agencies are among the most common and most expensive coming off a government employee’s bank account. Reset can settle these directly as part of the consolidation, stopping collection fees and penalties immediately.

You can apply regardless of your credit score. Because your repayment is deducted directly from your salary through payroll, many applicants who have been declined elsewhere may still qualify. Approval is based on your affordability – what your salary can support not your credit score alone. Subject to affordability assessment and NCA compliance.

Because you’re a government employee, your repayment is collected directly through your payroll – there’s nothing to remember and no transfers to make. Your single Reset repayment is automatically deducted before your salary is paid out. Reset then allocates it correctly, keeping your consolidated debts on track every month. Your remaining net salary arrives in your account, predictable and on time, every month.