Acquifin is a client-focused credit management company dedicated to empowering, educating, supporting, and guiding individuals to make the most of their financial means and live their best possible lives.
We believe the journey to a better financial future begins with personal responsibility and accountability. The next step is action — as we say, “A.C.T. – Action Changes Things.” Through positive reinforcement of responsible credit behaviour and constructive guidance in addressing poor credit habits, we actively support clients on their financial journeys.
Financial Responsibilty
We specialize in reactivating non-performing debt through a combination of financial education, behavioural coaching, and structured, affordable repayment plans. This process not only improves clients’ credit scores but also empowers them to re-engage with the formal economy as financially responsible participants.
Seamless Finances
Let’s Talk About Debt
Here are three debt reduction strategies to consider:
Option A
Shortest-Term First (Debt Snowball Method):
Pay off your smallest debt first. Once it’s settled, apply that repayment amount to the next smallest debt, and so on.
Option B
Highest Interest First (Debt Avalanche Method):
Focus on repaying your highest-interest debt first. Once cleared, apply that amount to the next highest interest-bearing debt.
Option C
Debt Consolidation:
Combine all your debts into one lower-interest, long-term loan. Use the combined monthly repayment amount to systematically clear your debt as quickly as possible.
Education
Discipline, Hard Work & Time
If you want to change your life, you must first change your lifestyle. That begins with your daily habits. Ask yourself: Which of my habits are holding me back?
A practical first step is to track all your spending. Record every expense—whether it’s cash, card, EFT, or debit order—for an entire month. Once you have a clear picture of where your money is going, reflect on this:
Are your spending habits bringing you closer to the life you want, or pulling you further away?
From there, make conscious, informed decisions about where and how you spend. Financial awareness is the first step toward building the future you deserve.
Acquifin
ABOUT US
At Acquifin, we are powered by a team of highly skilled, experienced, and respected professionals — many of whom are recognized as leaders within their respective fields. Collectively, our team brings decades of expertise across key areas of the credit industry, including:
Over 15 years of experience in loan sales, specifically within high-volume call centre environments.
More than 15 years of expertise in loan collections, utilizing both traditional and innovative alternative collection methods.
Proven industry leadership in the development and implementation of the DebiCheck system, ensuring secure and compliant debit order transactions.
This wealth of experience enables us to deliver forward-thinking, compliant, and client-focused credit management solutions with confidence and integrity.
Understanding the
Importance of Your Credit Health
Your credit score is a vital part of your overall financial health, directly impacting your ability to achieve long-term goals and access financial opportunities. A healthy credit score is often required for loans and credit cards, and it can also be a factor when renting a home or even applying for certain jobs. If your score is low, you might be denied credit or loans, face higher interest rates, or miss out on housing opportunities. Credit bureaus gather information from your banks, lenders, and insurers, which is then used by future financial service providers to determine your creditworthiness. Maintaining good credit is essential for securing a stable financial future.
Do YOU
Have a Budget?
When developing your budget, it’s important to consider:
- Your disposable income – and where it actually goes
- Essential vs. non-essential expenses
- Fixed vs. variable expenses
- Your current debt obligations
Start now by drafting a personal budget using our downloadable budget template:
Is Your Budget Realistic?
A budget should reflect your true lifestyle and financial responsibilities. Take a few months to review and adjust your budget to ensure it’s both realistic and sustainable.
Once you’re confident in your monthly budget, begin planning for the year ahead. At the end of each month, compare your actual spending to your planned budget and adjust as needed. This habit helps reinforce discipline and accountability.
Remember: Changing how you spend money requires lifestyle changes. Without that change, even an increase in income won’t improve your financial situation—because your expenses will simply increase to match.
TIPS TO
Manage & Imporve Your Credit Health
Take control – check your credit report regularly
Honour Existing Debt Agreements
Pay on time
Manage Your Credit Utilisation Avoid using your full credit limit.
Keeping your credit card balance well below the maximum limit demonstrates responsible credit use and supports a healthier credit score.
Communicate with your creditors
Avoid excessive credit applications
Helpful
Resources & Links
National Credit Regulator (NCR)
For complaints or queries related to credit agreements.
📞 Telephone: 0860 627 627
📧 Email: complaints@ncr.org.za
🌐 Website: www.ncr.org.za
National Consumer Commission (NCC)
For complaints relating to the Consumer Protection Act (Act 68 of 2008).
📞 Telephone: 012 940 4450
📧 Email: complaints@thencc.org.za
🌐 Website: www.creditombud.org.za
Financial Sector Conduct Authority (FSCA)
For complaints or queries regarding insurance and financial products.
📞 Telephone: 0800 20 37 22
🌐 Website: www.fsca.co.za
Council for Debt Collectors (CFDC)
For complaints related to debt collection practices.
📞 Telephone: 012 804 9808
📧 Email: info@cfdc.org.za
🌐 Website: www.cfdc.org.za
National Financial Ombud (NFO)
For disputes or complaints related to credit agreements or credit bureau issues.
📞 Telephone: 0860 800 900
📱 WhatsApp: 066 473 0157
📧 Email: info@nfosa.co.za
🌐 Website: www.nfosa.co.za
Acquifin
Solutions & Products
Our goal is to ensure each client has the best possible opportunity to become a financially responsible, creditworthy participant in the economy.
At Acquifin, we recognise that every individual’s financial situation is unique. Guided by our core ethos and commitment to treating customers fairly, we provide tailored solutions designed to break the cycle of non-payment and credit delinquency.
Drawing on extensive industry experience, we have developed a range of support-driven, sustainable credit rehabilitation products that aim to:
Restore financial stability
Promote responsible credit behaviour
Empower individuals to re-enter the credit market with confidence
FAQ
What is a DebiCheck Mandate?
How Do I Approve a DebiCheck Mandate?
Online banking
Your banking mobile app
An ATM
A USSD prompt sent to your registered cellphone number
You’ll typically receive a notification or SMS from your bank indicating that a DebiCheck request has been loaded. Simply follow the instructions to review and accept the mandate.
What is Debt Administration?
Key points:
Monthly payments are reduced and extended over a longer term
Creditors are legally barred from taking further action once the process is approved
All creditor communication is handled through the Administrator
What is Debt Counselling / Debt Review?
What Does Your Credit Score Mean?
Credit scores are usually grouped into the following categories:
Poor
Fair
Good
Very Good
Excellent
The range you fall into will determine the types of financial products you can access—and the interest rates you’ll be charged.
Elevate Your Finances With Acquifin
CONTACT US
Block 14 · Boardwalk Office Park Eros Street · Faerie Glen Pretoria · 0043
customercare@acquifin.co.za
(010) 494 9289
ACQUIFIN IS A
REGISTERED DEBT COLLECTOR: COUNCIL NUMBER 00128721/23
ACQUIFIN (PTY) LTD REGISTRATION NO. 2022/592566/07
REGISTERED CREDIT PROVIDER: LICENCE NO. NCRCP16377