Welltec Financial Services - Credit Gateway

Welltec Financial Services - Credit Gateway Helping you take control of your finances!

Take a moment to check in on your financial wellbeing. Answer these 5 quick questions and see where you stand.1. Do you ...
25/08/2026

Take a moment to check in on your financial wellbeing. Answer these 5 quick questions and see where you stand.

1. Do you have an emergency fund?
✅ Yes – I have 3–6 months of expenses saved
⚠️ Some – but not enough
❌ No – I would struggle with an unexpected expense

2. How confident do you feel about your finances?
✅ Confident – I feel in control
⚠️ Okay – but there’s room for improvement
❌ Stressed – I worry about money often

3. Are you relying on credit to get by?
✅ Never – I live within my means
⚠️ Sometimes – for bigger purchases
❌ Often – I use credit to cover everyday expenses

4. Do you have a plan for retirement?
✅ Yes – I’m on track
⚠️ I have some savings but not enough
❌ No – I don't know where to start

5. Are you carrying debt that feels overwhelming?
✅ No – my debt is manageable
⚠️ Some – but I'm managing
❌ Yes – I feel trapped by debt

Your Results:
Mostly ✅ – You’re on the right track! Keep building your financial health.
Mostly ⚠️ – You’re aware of the gaps. Now is the time to take action.
Mostly ❌ – You’re not alone. Many people face these challenges. The good news? Welltec can help.

Did you know?
Welltec could help you:
✅ Consolidate debt and reduce financial pressure
✅ Build your credit health
✅ Free up cash flow for essentials
✅ Feel more confident about your money

Take the next step: www.welltec.co.za

What is a garnishee order?A court order allowing a creditor to deduct money directly from your salary.How does it happen...
19/08/2026

What is a garnishee order?

A court order allowing a creditor to deduct money directly from your salary.

How does it happen?

❌ You fall behind on debt payments
❌ The creditor takes legal action
❌ A court orders deductions from your salary

The good news? Welltec could help you remove garnishee orders.

📊 Common budgeting mistakes:❌ Not tracking spending❌ Forgetting irregular expenses❌ Setting unrealistic goals❌ Not havin...
17/08/2026

📊 Common budgeting mistakes:

❌ Not tracking spending
❌ Forgetting irregular expenses
❌ Setting unrealistic goals
❌ Not having an emergency fund
❌ Giving up too soon

Did you know? Welltec can help you get on track.
Register on the Welltec platform and use our budgeting tool: www.welltec.co.za

💸South Africa’s household debt has hit R2.7 trillion. You could be part of this crisis. New data from Eighty20 and the R...
14/08/2026

💸South Africa’s household debt has hit R2.7 trillion. You could be part of this crisis.

New data from Eighty20 and the Reserve Bank shows just how bad things have gotten during the first three months of 2026:

📊 R2.7 trillion in loans – up R41 billion in 3 months
📊 56 million active loans – 875,000 opened alone during the first quarter of 2026
📊 41% of credit-active people in South Africa are in default
📊 R237 billion in overdue balances – up 14% from last year
📊 62.2% of household income goes to debt
📊 4.9 million people have impaired credit records

These aren’t just numbers. They’re people like you – struggling to keep up.

Did you know? Welltec can help you take control of your debt.
✅ Consolidate loans
✅ Improve your credit score
✅ Free up cash flow

Send an email to [email protected] to learn more!

Tax season is open – feeling stressed? You’re not alone.Filing your taxes can be confusing. Here’s what trips people up:...
12/08/2026

Tax season is open – feeling stressed? You’re not alone.

Filing your taxes can be confusing. Here’s what trips people up:
❌ Not understanding your tax obligations – hello penalties and unexpected bills
❌ Missing out on refunds you’re owed – that's money that could help with debt
❌ Turning to expensive “tax refund” loans with crazy interest rates

Did you know?
Welltec’s Financial Literacy course can help you navigate tax season.

✅ Learn the basics – PAYE, deductions and more.
✅ Avoid predatory loans
✅ Use your refund to consolidate debt

Get the support you need – Register on www.welltec.co.za

This Women’s Month, let’s talk about what’s really happening in your wallet.The reality for women in South Africa:💸 43% ...
11/08/2026

This Women’s Month, let’s talk about what’s really happening in your wallet.
The reality for women in South Africa:

💸 43% are financially stressed – up from 39% – climbing to 49% among single mothers (Source: Old Mutual Savings and Investment Monitor (OMSIM) 2025)
📊 Women feel half as financially confident as men – only 9% feel confident about their income vs. 16% of men (Source: JustMoney’s “Money & Me” survey, 2025)
💳 60% of women lack emergency funds, and 43% rely on credit just to eat (Source: Old Mutual Savings and Investment Monitor (OMSIM) 2025)

Did you know?
Welltec can help you take control of your financial situation.
Whether you’re dealing with debt, want to understand your credit score, or just need support to feel more confident about your money – we’re here to help.
Get the support you need

19/12/2025

🎉 Exciting News! We’ve Rebranded! 🎉

We’re thrilled to announce that Credit Gateway Financial Services is now Welltec Financial Services!

While our name and look have changed, our commitment to providing you with reliable, innovative, and professional financial solutions remains stronger than ever.

New look, same team, same commitment to helping you on your financial rehabilitation journey. 💼✨

🎉 It’s Year-End Function Day! 🎉Today, 27 November 2025, our team will be celebrating from 11:00 to 16:00 as we wrap up a...
27/11/2025

🎉 It’s Year-End Function Day! 🎉

Today, 27 November 2025, our team will be celebrating from 11:00 to 16:00 as we wrap up an incredible year together.

While our staff are away from their desks, we kindly ask that any urgent requests be emailed to [email protected]
— we’ll respond as soon as possible.

💼 Business as usual resumes tomorrow, 28 November 2025.

Thank you for your understanding and continued support!

Here’s to closing the year strong and stepping into the next with even more momentum. ✨

🎄 Holiday Closure Notice 🎄As we wrap up an amazing year, we’d like to let you know that our offices will be closed from ...
13/12/2024

🎄 Holiday Closure Notice 🎄

As we wrap up an amazing year, we’d like to let you know that our offices will be closed from 20th December 2024 to 6th January 2025 to enjoy the festive season with our loved ones.

We’ll be back and ready to assist you with your finances in the new year!

Wishing you a blessed festive season and a Happy New year!

Address

13 Umgazi Street
Pretoria
0081

Opening Hours

Monday 10:00 - 19:00
Tuesday 10:00 - 19:00
Wednesday 10:00 - 17:00
Thursday 10:00 - 17:00
Friday 10:00 - 17:00

Telephone

+27121111583

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