For Employees
Take home more of your salary.
Take home more of your salary.
Every month.
If you are an employee with multiple loans or debit orders leaving your account each month, Reset can help. We consolidate your existing debt into a single, structured salary deduction - so you keep more of what you earn.
Why Reset exists
Most employees carrying multiple debts are not in that position because of poor decisions.
Life happens - emergencies, rising costs, and a lending market that makes it easy to borrow and very difficult to get out. The result is a payslip where a significant portion of your salary disappears before you ever see it.
Key benefits
Designed to help employees recover financial breathing room.
Reset focuses on practical outcomes: lower monthly pressure, fewer debit orders and a structured path back to financial wellness.
Access regardless of your credit score
Because repayment is secured through your payroll, your credit score is not the deciding factor. Many applicants who have been turned away by banks and traditional lenders may still qualify through Reset. Subject to affordability assessment.
One deduction replaces many debit orders
Your existing loans - currently hitting your bank account as multiple debit orders each month - are settled by Reset and replaced with a single, lower salary deduction.
More money every payday
Most clients see an immediate increase in their take-home pay from the first month. The average monthly saving exceeds R10 000. Results will differ depending on your individual debt profile. Subject to affordability assessment.
Your debts are fully settled
Reset pays your creditors directly. Once settled, those debit orders fall away and you receive settlement letters confirming each account is closed.
A path back to financial wellness
As your credit profile improves through consistent repayment, you gradually return to mainstream financial products on your own terms. Breaking the cycle of expensive short-term debt is the first and most important step.
Choose your path
Are you a South African government employee?
You can apply directly - no need to wait for your employer. Our consolidation product is built specifically for government employees.
Is your employer partnered with Reset?
If your employer has signed an agreement with Reset, you can apply through your payroll deduction. Check with your HR or payroll department to confirm, then apply below.
My Employer is Partnered - Apply NowNot at a Partnered Company Yet?
If your employer is not yet signed with Reset, share our For Employers page with your HR manager or management team. Getting your employer on board opens access for you and your colleagues - and we would be happy to walk them through how it works.
Share with my Employer
Disclaimer:
Loan approval is subject to affordability assessment and NCA compliance. Eligibility for payroll deduction via employer is subject to your employer having a signed agreement with Reset. Results and savings will differ depending on individual circumstances.
Ready to take the next step?
Start with the option that matches you!
Reset will guide you through the correct application route and affordability process.