Credit Smart

Based in Monument Park, Pretoria, Gauteng, Credit Smart was established in 2018 by founder and Managing Director, Wikus Olivier.

They’re an award-winning group of dedicated financial advisors who want to help you with all your credit, debt, and financial issues. They’re registered with the National Credit Regulator.

Credit Smart will work to:

• Help you become more knowledgeable about your finances.
• Help you leave bad debt behind and get into good credit or become debt-free.
• Bring financial relief by teaching you to develop good financial habits and improve your credit score and cash flow.
• Make all products and solutions available to assist you.
• End the stigma around debt and credit use.

Guided by their beliefs

• It’s their mission to help customers out of debt.
• They have a duty to bring relief and ease stressful situations brought on by bad financial habits.
• Keeping families together by helping them.
• That their dealings with you should be guided by integrity, honesty, loyalty, and sincerity.

Credit Smart has partnered with people and companies who share in their purpose, and in whom you can also trust to provide only the best possible service. Some of these partners are Wesbank, First National Bank, Nedbank, Capitec, Absa and African Bank.

Founder and Managing Director, Wikus Olivier

He’s an entrepreneur with vast experience in debt management, business development, and consulting. He’s also a director of City Square Holdings which has shares in numerous companies in different industries. He’s married, a devoted father, and a keen mountain biker.

Credit Smart is the result of a decade in the industry and combines all the aspects of debt management and financial wellness. You can get a quote, without any obligation and take a step to take back control of your finances.

The National Credit Act brought in debt review to help consumers who were overly indebted and struggling to service their debts.

This process combines all your debts into one and you’ll immediately have relief as Credit Smart will negotiate with your creditors to lower your payments.

Benefits of debt review with Credit Smart

• Your cash flow will improve immediately.
• You’ll only have to make one, affordable payment per month.
• There’ll be a considerable reduction in your debt repayments and any interest charged, which can save you thousands of Rands.
• You get to keep your assets, like your home and car, while you pay off your debt.
• You’ll have relief from being hounded by your credit providers.
• Credit smart will communicate with your creditors instead of you, sparing you stress and embarrassment.
• Your payments will be affordable.
• They’ll budget for you and ensure you have enough money to live reasonably.
• You’re protected from legal action by your credit providers.
• A committed, personal debt advisor will guide you all the way.

Added benefits you can expect:

• Retrenchment Cover. They’ll cover you and pay your instalments for up to a year.
• Death Cover. They’ll settle the debt if you pass away.
• Maternity Cover. If you unexpectedly become pregnant, they’ll pay your instalments during maternity leave- up to 90 days.
• Identity Theft Cover. If someone steals your identity, Credit Smart will help you with a lump sum.
• Critical Illness and Permanent Disability Cover. If you become permanently disabled or critically ill, they’ll pay off your debts.
• Temporary Disability Cover. They’ll cover your instalments for up to a year.