South Africans are facing some of the toughest financial conditions in recent years. TransUnion’s Consumer Pulse Study for the first quarter of 2025 shows that while the credit market is growing in some areas, there is a big concern: more people are falling behind on their personal loan payments. In fact, it’s the highest it has been in five years. Households are carrying a heavy burden, especially lower-income families already stretched thin by the rising cost of living.

At Mdalisu, we see the daily reality behind these numbers. Behind every missed repayment is a parent trying to keep the lights on, a breadwinner coping with job insecurity, or a family struggling to cover a loved one’s funeral expenses. These are deeply personal experiences – and we’re here to help.

The Credit Squeeze is Real – and Personal

The latest Eighty20 Credit Stress Report also shows a worrying situation: a record 43.4% of South Africans with credit are now seen as “stressed”. This means they are more than three months behind on at least one loan or account.

The hardest hit are middle-aged people with lower incomes who use credit to cover their daily needs. This affects many parts of their lives – like paying for housing, healthcare, education, and even food.

Because of this, many people borrow from informal lenders who charge high interest, or they skip important payments like insurance. These choices can cause bigger problems in the future.

Small Loans, Big Relief

Mdalisu’s short-term loans are designed for moments like these – to offer fast, transparent, and ethical financial support when it matters most. Whether it’s an emergency, school fees, a medical crisis, or just keeping food on the table until payday, our loans are structured to give our clients breathing room without pushing them further into debt.

Unlike some institutions that take advantage of distress, Mdalisu prioritises responsible lending. We don’t just issue loans – we assess, consult, and ensure each client understands their obligations, building financial confidence in the process.

Funeral Cover That Respects Dignity

In the midst of financial stress, a death in the family can feel like the final blow. No family should have to choose between honouring a loved one and staying afloat financially. Our funeral insurance provides peace of mind – a safety net that covers essential costs, so families can grieve and commemorate without financial anxiety.

Mdalisu’s funeral plans are affordable and flexible, catering to households that need to protect multiple family members under one policy. Importantly, we treat every claim with compassion, speed, and dignity – because we understand what’s at stake.

Financial Consulting That Builds a Stronger Future

Beyond immediate needs, we’re passionate about helping our clients build financial resilience. Mdalisu offers credit health consulting and financial wellness support to guide people through budgeting, credit repair, and long-term planning. We believe financial literacy is a right, not a luxury – and that with the right tools, even the most burdened households can start building towards stability.

A Partner for the Road Ahead

Economic recovery may take time. But you don’t have to face it alone.

At Mdalisu, we’re more than a financial service provider – we’re a partner in your journey. Whether you need a lifeline in the form of a loan, the dignity of a funeral plan, or advice to regain your financial footing, we’re here for you.

Reach out to Mdalisu today and take the first step towards peace of mind.