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Four ways you can manage your debt
Community Coordinator
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Tired of living for payday? Reduction in income? Increased monthly Expenses? Recently lost your job?

All of the above can cause panic and stress as month end approaches and debt payments become due. When you are desperate, taking out debt to pay for debt may seem like an easy solution but may soon land you in hot waters with your Creditors.

Here are just some of the effective solutions Standard Bank offers that could help you manage your debts:

Payment arrangements
Debt Consolidation
Respread of your arrears
Payment Holiday

Do I need to manage my debts better?

Before diving into an explanation of the above offerings, it is important to ask yourself the question, “Can I manage my debts better”?

Very often we answer the question in the negative, thinking we are able to meet our debts easily. Simply because I can afford to make payment on my Home Loan, Vehicle Finance, Personal Loans and other credit obligations does not necessarily mean I am managing my debts properly. Management of debt is not only for those that have recently had a reduction in income or lost their employment. It is for everyone. That is, unless you are one of the select few that do not want to have more money at the end of the month.

What can I do if I need to manage my debts better?

The first step is to recognize whether or not I would like to manage my debts better because I want more money to live comfortably at the end of the month, or whether I need more money to make sure I get out of the cycle of credit that I am currently stuck in.

Should it be the latter option, then read on to better understand some of the offerings Standard Bank has to assist you.

What is a payment arrangement?

A lower instalment is when an arrangement to pay off your debt over a longer period is agreed between yourself and the Bank. This helps free up some cash which can then be used for your other financial commitments. So, before panicking and letting your accounts become overdue, speak to us and we’ll do what we can to keep you in your home.

Want to find out how to find out how to get a lower instalment on your debt? Chat to one of our bankers by clicking on

What is Debt Consolidation?

This is an option that enables you to combine various debts into a single manageable account. Instead of making payments on various accounts with various interest rates, why not pay a single amount at a single interest rate? You save and prevent going overdue with any of your credit obligations.

To determine if your qualify for a debt consolidation, chat to one of our bankers by click on
What is a respread of arrears?

A respread of arrears is possible if you contact us early enough. If you are overdue by a small amount, contact us and we can possibly assist you in removing your arrears and adding it to our outstanding balance and extending your repayment term. You are then out of arrears and could also be paying an amount less than previously.

What could be better? If you are in arrears and interested in a respread of arrears, chat to one of our bankers by clicking on

What is a payment holiday?

A payment holiday is an option that allows you to take a break from your repayments on a credit agreement for a period of one to three months. During this time, you can save your money and sort out your other credit commitments.

Instead of ignoring an overdue account, chat to us and determine if you qualify for a payment holiday? It’s simple, simply click on

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I'm a 29 year old, i took out debt recklessy before and could not pay my debts. I cant get credit anywhere. i want to get away with that as a need a house, so as a standard bank client how can you assist me because the credit bureau has a total of R65000 that im owing different institutions. i'm earning a net salary of R15000 monthly. Please assist.

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Good day, I am a 44 year old man, I took some loans  from different instituitions, four banks actually, to develop a house in the semi rural of Mpumalanga because i couldnt get a loan from one single instituition to fund my development. I resulted to Debt review a year ago, but the problem is I am paying the review company and distribution company too much. I earn a net Salary of R26000, I pay them (the distributer) R14000 of which it is too much, when I look at the term of paying my loans its too much and strictly I cant afford R14000 anymore. It is going to cost me more money if they renegotiate my payment with the instituitions. All my debts come to R350 000. I will be paying off R50 000 very soon. I have found a new job that will offer me much better salary that needs me to have a car. For now I want to get a consolidation loan and pay over five years of which I believe it will be best for me. If I get a consolidation loan I can manage to pay a maximum of R10 000 a month of which I believe it can save me some time as well.

Hope to hear from Standard bank soon.

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I am 43, and full time employed. I went under debt review a few years ago, and have had to scratch my way through the variance debacles the debt counsellors subjected me to. I have fallen even further into debt and am really struggling as my accounts are  spread across multiple creditors.

Most of the accounts I owe are with external attorneys now, and I have had to make direct arrangements with them.

If I could consolidate everything excluding my bond under one (approx 600k minus the bond), I could afford to pay back 20k per month for 5years and still keep up with my bond.

Is this something Standard Bank would entertain?...As my debt is primarily with Standard Bank.

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Good day . I started a side Business in 2016 by taking out personal loans . So far I am still coping.  I would like to consolidate these loans. What can Standard Bank offer me . The total amount is about R250000.00

peter scott
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Thembisile Ngwekazi
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Good day, I requested a respread/ extension request form but the one that was sent to me is A3 I cannot print it as it is giving me an error page issue, I took the same email to 2 internet cafe, they have the same issue even after changing the size to A4. Can I get the same form from standard bank branch?

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I have been financed by standard bank for my car but in October 2018 I was on debt review but due to misunderstandings it was cancelled now I have tried making payments on the bank account but everytime the money bounce back to my bank account. Now I need standard bank lawyer handling the account to make an urgent payment arrangements 

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Hi I was out of the country as I was studying abroad and had to go to finish my degree. While out of the country I did not have the opportunity to pay the installment for a loan I had previously took out as I am an independent student. I arrived back in South Africa a few days ago when I immediately began work to make the money to pay for the missed installments. Unfortunately I was unable to acquire the amount in those few days and was emailed by a lawyer with a date to pay my overdue installments before. I am 2 days over my 3 month due date and I have the money now however it is a Sunday today and I can not manage to reach a standard bank branch that is open today to pay the installments. I can try to deposit the amount into my account from an ATM and then email the lawyer proof of payment. Can I do that? Please let me know as soon as possible. Thank you

Community Coordinator



Please be advised that you will need to contact customer care on 0860 123 000 or forward your account details, ID number and contact details to [email protected] with the subject line "loan repayment" so that we can look into this matter and assist you further.


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