Financial Education
Education modules with tracked completion, covering personal budgeting, debt management, emergency planning, saving and investing
Financial Wellness
You cannot preach financial wellness to an over-indebted person.
Most employers have a wellness mandate and very few can deliver against it, because wellness programmes are education, and education does not reach a person in acute distress. Helping an employee afford the debt they already have is the truest form of financial wellness there is. It is the first step, not the last one.
What is included
Smart Budgeting
A budgeting tool inside the mobile app
Ongoing Support
Ongoing support through the app and the call centre
Employer Training
Employers may load their own training material onto the programme
The app and the wellness programme are free to every employee on a governed payroll, whether or not they ever take a loan. Employees who hold a facility with Reset Direct unlock the full programme.
What a repaired credit record makes possible
The point is not the loan. The point is where it leaves you.
Consolidation restores your take-home pay now. The longer benefit is what happens to your credit record while you service one affordable instalment reliably, instead of several you could never meet.nnA credit record is what a bank looks at when someone applies for a home loan, vehicle finance, an account on better terms or a rewards programme. Employees who come out of consolidation with a repaired record are in a position to go and ask. Many of them were not, before.nnReset Direct does not offer those products and does not send you to anyone who does. What we do is help put you in a position to be taken seriously by the people who do offer them.
Reset Direct does not offer home loans, vehicle finance, transactional banking or rewards products, and does not refer clients to any provider of them. Whether a credit record improves depends on how an account is serviced and on all the other information a credit bureau holds. Lending decisions are made by the lender concerned, and no lender is obliged to approve an application.
