About KayaClear

KayaClear helps South Africans understand the cost of credit and their rights when debt goes wrong, using the National Credit Act and the Prescription Act. It is part of KayaWise.

Why "KayaClear"?

"Kaya" is South African slang for home. "Clear" is what we aim for twice: clear numbers, so you can see what a loan really costs and whether the charges are within the law, and a clear path out of debt that you plan yourself.

Where our rules come from

Only from official publications: the National Credit Act and its amendments, the National Credit Regulations and the 2015 review of fees and interest rates in the Government Gazette, the Prescription Act on the Department of Justice website, the National Credit Regulator's own pages and brochure, and the repo rate as announced by the South African Reserve Bank and SAnews. Where the law is not settled, the page says so.

• National Credit Act 34 of 2005 (Government Gazette 28619, 15 March 2006): ss 79, 86, 101, 103 and 105 (Government Gazette on gov.za, checked 30 October 2026)
• National Credit Amendment Act 19 of 2014 (Government Gazette 37665, 19 May 2014): s126B (prescribed debt) and amended s86 (Government Gazette on gov.za, checked 30 October 2026)
• National Credit Regulations, 2006 (GN R489, Government Gazette 28864, 31 May 2006): regulations 39 to 44 (Minister of Trade and Industry, Government Gazette on gov.za, checked 30 October 2026)
• Review of Limitations on Fees and Interest Rates Regulations (GN R1080, Government Gazette 39379, 6 November 2015): Tables A and B, regulation 44 (Minister of Trade and Industry, Government Gazette on gov.za, checked 30 October 2026)
• NCR Circular 8 of 2016: the reviewed fees and interest rates apply only to agreements entered into on or after 6 May 2016 (National Credit Regulator, checked 30 October 2026)
• MPC raises repo rate to 7.25%, effective 25 September 2026 (SAnews, 23 September 2026) (SAnews (Government Communication and Information System), checked 30 October 2026)
• Statement of the Monetary Policy Committee, September 2026 (South African Reserve Bank, checked 30 October 2026)
• SARB calendar: Monetary Policy Committee briefing, 19 November 2026 (South African Reserve Bank, checked 30 October 2026)
• Prescription Act 68 of 1969, Chapter III (ss 10 to 16), as amended (Department of Justice and Constitutional Development (justice.gov.za), checked 30 October 2026)
• NCR information brochure: prescribed or "old" debt and your rights (National Credit Regulator, checked 30 October 2026)
• NCR: Debt counselling (debt review) process (National Credit Regulator, checked 30 October 2026)
• NCR: How to lodge a complaint (call centre 0860 627 627, Form 29) (National Credit Regulator, checked 30 October 2026)
• NCR register of registered debt counsellors (National Credit Regulator, checked 30 October 2026)

Last full review: 30 October 2026.

What we are not

We are not a credit provider, not a registered debt counsellor, not an authorised financial services provider and not the National Credit Regulator. Nothing on this site is financial advice under FAIS or legal advice, and we do not recommend any lender, credit product, debt counsellor or debt solution.

How the site is funded

The site is free and shows clearly labelled display advertising. We do not use affiliate or referral links, we are not paid by lenders or debt counsellors, and adverts never change a result.

Found a mistake?

Please tell us via the contact page. We correct verified errors quickly.