Kaya 959 Inside Your Pocket

What You Must Know Before You Borrow

Loading player...
With more South Africans relying on credit to get by, FinChoice’s Richard Eberlein breaks down the essentials: how to assess affordability, why credit scores matter, the hidden costs borrowers overlook, why loan balances barely move, and how to avoid digital lending scams. A practical guide to borrowing smart in a high‑pressure economy
12 Jun English South Africa Business

Other recent episodes

When Debt Becomes a Lifestyle Expense

The latest DebtBusters Debt Index reveals South Africans are increasingly turning to personal loans, payday lending and multiple credit providers simply to stay afloat. Benay Sager, Executive Head of DebtBusters, unpacks why debt levels are rising again, why even high-income earners are under pressure, and what the country's worsening debt…
12 Nov 15 min

Spotting Debt Review Scams

With rogue operators charging illegal fees and fraudsters targeting valid payment plans, National Debt Advisors’ Sebastien Alexanderson joins Inside Your Pocket to break down how to spot payment redirection scams, verify your credit status, and avoid the R10,000 "quick clearance" trap.
5 Nov 22 min

The Real State Of Household Finances

South African households have proven remarkably resilient, but are signs of strain beginning to emerge? Johan Gellatly, Managing Director of Altron FinTech, joins us to unpack the latest Household Resilience Index, why improvement is slowing, whether consumers are relying too heavily on debt and savings, and what rising fuel costs…
29 Oct 15 min

South Africa’s Gender Credit Divide

New Experian data reveals that while women hold a smaller share of South Africa's credit market, they consistently outperform on repayment behaviour and default rates. Matiisetso Madito explores what the numbers reveal about borrowing habits, financial inclusion and the barriers still facing women in accessing higher-value credit products.
22 Oct 11 min

South Africa's R45 Billion Fast Food Boom

South Africans are spending more on convenience food despite ongoing financial pressure. Caroline Short, Research and Advisory Services Lead at Trade Intelligence unpacks the rapid growth of the quick-service restaurant market, shifting consumer behaviour, the rise of challenger brands and how delivery platforms are reshaping the country's food economy
8 Oct 14 min
All episodes