Top 5 Debt Counselling Companies in South Africa for 2026
Selecting the right debt counselling provider can feel overwhelming, especially with so many companies in the market — and with some charging unnecessarily high legal fees. In our experience, the top-rated providers generally charge far more reasonable fees, often around 50% less than some of the more expensive options. To make the decision easier, we’ve put together a list of debt counselling companies that, in our opinion, stand out for their service quality, value, and overall approach.
Debt counsellors may not exceed NCR fee guidelines, however some charge on the lower end, and others on the higher end. Our comparison is designed to help you find a debt counselling company that charges on the lower end of the range of fees permissible by the NCR and who offer great service.
1. Zero Debt
Zero Debt is South Africa's top-rated debt counsellors as per their Google reviews, which currently stand at 4.9/5. Their sign-up process is easy and each customer is expertly guided through the debt counselling process to save up to 60% on interest rates. They will also ensure your assets are protected from repossession.
Score
98%
Sign-Up Process:
Google Rating:
Affordable Legal Fees:
