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Pay Plan Solutions

image of Pay Plan Solutions
image of Pay Plan Solutions

About – Pay Plan Solutions

While there are many players in the industry where debt consolidation solutions are concerned, we consider ourselves unique in the market.

We are proud to announce that we have been helping individuals overcome their financial burden since early 1999, but we are affiliated with highly regarded associations in this game.

We have a well-rounded reputation

The head of our company, Mr Eugene Cilliers, is one of the many reasons we can attribute to this fact. He is a current member of the Debt Counselling Association of South Africa (DCASA) and his involvement doesn’t end there, as he also spent two years serving on the National Executive Committee. Having a frontman with these accreditations has resulted in Pay-Plan solutions, establishing a well-rounded reputation and often called for advice from him from time to time on a number of active industry forums.

We are registered with the NCR

Being registered with the National Credit Regulator means that we are aligned with strict and enforced codes of conduct. This process affords us the opportunity to ensure that both us and our clients are happy at the end of the day with the legalities and documentation required. In abiding by stipulations of the NCR, we are able to circumvent the Magistrates Court process and rather submit applications via the Consumer Tribunal. The legal fees are cheaper and court time is not an issue!

Visit our website

From our website, you’ll find all the services that Pay-Plan Solutions offer to clients in need of debt consolidation, and we outsource our consolidation products to other registered financial companies that are the best in the business where relevant.  But if you have any questions about any of the services or how to get started, we have a call centre that you can contact and one of our friendly consultants will assist you right away!

Services – Pay Plan Solutions

If you’re struggling with monthly repayments and considering leaning towards cashing in your life policies just to make ends meet, it’s probably time to get in touch with a debt counsellor.

Debt counselling is one of a number of services we offer at Pay-Plan Solutions and we pride ourselves on making sure that we tailor a well-structured debt plan per individual.

Does your business need rescuing?

Choose business rescue if you answered yes! Business rescue is a service offering designed to facilitate a rehabilitation plan for any company that in danger of insolvency. The process should naturally be of benefit to the creditors, which basically means that the company will be able to continue trading as normal all the while repaying the debts incurred.

How do you know that you qualify for this form of rescue? Well, any company in a position where they are close to defaulting on any credit agreements over the next 6 months, will have the ability to appoint a business rescue practitioner.

Consolidation loans

If you’re overwhelmed with the number of accounts you are trying to manage on a daily basis, a consolidation loan may be the answer. You’ll have access to extended repayment terms which will, of course, result in lower repayments and all at a far lower interest rate than what you’re currently paying.

We can help you against becoming bankrupt

Often, not always, financial advisors will suggest bankruptcy as an option in order to start again with a clean slate. When you find yourself in a position where your liabilities have come to exceed your assets, then it’s very difficult to get to a point of financial freedom. There are ways to go about repaying your debts without losing your assets and still seeing some light at the end of the tunnel. We have all the answers, so call in for a free consultation or complete an online loan application to see if this is an option for you. 


Summary of Services

  • BUSINESS Rescue
  • DEBT Consolidation
  • DEBT Counselling


We will guide you to financial wellness

Turn to us for your financial wellness and advice, it’s free and you should try it!

Simply, it is a harmony of mental, spiritual and physical aspects of money in one’s life. It also means fully understanding your financial situation and being in a position to prepare oneself for the changes in this financial situation. Employee financial wellness does not discriminate, it affects everyone.

Join our financial wellness program

We at Pay Plan Solutions have tailored programmes to offer financial wellness to suit many of the major banking institutions, namely Absa, Nedbank and other. We are also involved in sharing this free financial wellness among names such as the Spur Group and Multichoice to name a couple.

It’s no surprise that banks would require their staff to have healthy credit records, and in order to ensure this, a financial wellness programme would be a prerequisite for any employee on their payroll. But regardless of who you or your employer is, this form of advice and guidance is a benefit for you and your wallet at the end of the day.

Financial advice can come in the form of many a shape and form, but if you are adamant about receiving the best advice, you should consider attending one of our wellness power lunch workshops. At these lunches, we give talks on a number of interesting and necessary topics that will assist you in your financial situation.

We focus on the following:

  • Understanding and following a budget
  • Over-indebtedness – the warning signs
  • Disposable income
  • Financial implications when you’re handed over
  • Understanding the true cost of credit
  • Reading your own credit score
  • Steps in choosing the right debt counsellor

When it comes to advise, every client is different. We need to sit with you and get an understanding of your situation so as to properly advise you on the way forward to relieving you of your financial burdens. Corporate debt vs individual debt is handled very differently and people with properties and other assets vs those who don’t possess assets, too, are handled differently. That is why we refer to our services as solutions because what works for one might not work for another, but we’ll still have the right one for you!

Before you make any decisions, you should contact us in order to set up a meeting to discuss your debt consolidation and counselling options and your first consultation is free! So, if anything, you should take this step, as it’s the first step to financial freedom.

Call us now on our National Helpline @ 087 238 2165


Customer Reviews & Testimonials

 Contact Details

Spearhead Business Park, Montague Drive, Marconi Rd, Marconi Beam, Cape Town, Western Cape, 7441, South Africa
Ph: 087 238 2280
Fx: 086 686 9597

 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 –