Free estimate
Share your details and accounts — upload your credit report or capture them manually — and see an estimated reworked instalment in minutes.
Registered debt counselling
YOUR DEBT.
REWORKED.
See what a professionally restructured repayment plan could look like before you apply. Upload your credit report, get an estimate, and continue with a registered debt counsellor.
Instant estimate
What could your monthly repayment look like?
R12 000
R2,000R50,000
Current monthly instalmentR12 000
Estimated new instalmentR7 200
Potential monthly reliefR4 800
≈ R57 600 of breathing room over 12 months
Get my exact estimateQuick estimate only, based on a blended reduction across account types. Your exact figure depends on your accounts and a full affordability assessment by a registered debt counsellor.
AI-Assisted Credit Report Analysis
Human Consultant Review
How it works
From overwhelmed to one manageable instalment
A clear, guided process — you always know what happens next before anything is formal.
Consultant review
A consultant checks your figures, documents and screening indicators, and confirms whether debt review may suit your situation.
Formal assessment
A registered debt counsellor completes a full affordability assessment and negotiates restructured repayments with your credit providers.
One reduced instalment
You pay a single, lower monthly amount through a regulated payment process until your repayment plan is complete.
Why Unchain Credit
A considered approach to restructuring what you owe
Smaller balances prioritised
Where appropriate, smaller balances can be prioritised earlier in the repayment strategy.
Arrears reviewed
Historic arrears are identified and reviewed as part of the assessment.
Account screening
Accounts can be screened for potential prescription and reckless-lending indicators for professional review.
Screening indicators are prompts for professional review only. We do not confirm that a debt has prescribed or that reckless lending occurred.
Client outcomes
What restructured repayments can look like
T.M.
Gauteng
Unsecured + vehicle
R14 200→R7 900
R6 300 monthly relief
"For the first time in years I could see the end of it. One payment, and money left for groceries."
S.P.
KwaZulu-Natal
Unsecured + bond
R21 500→R13 300
R8 200 monthly relief
"Keeping the house was everything. The reworked plan made the bond affordable again."
A.V.
Western Cape
Unsecured accounts
R8 600→R4 800
R3 800 monthly relief
"I stopped dodging calls from creditors. The process was explained clearly at every step."
Illustrative examples based on typical outcomes, anonymised for privacy. Every assessment is different — your figures depend on your full financial picture and a formal affordability assessment.
Free debt review estimate
Three short steps. No obligation.
Your details, your situation, then your accounts — uploaded or captured manually. You review everything before we calculate.
Existing clients
ALREADY AN UNCHAIN REMOVAL CLIENT?
Existing debt review removal cases remain entirely separate from new debt review applications. If your removal matter is already with us, continue through the removal support channel rather than starting a new assessment.
Existing Removal Client SupportQuestions