The Rubber Band Effect

The Rubber Band Effect

In Q4 2025, 40% of credit-active South Africans were in default (3+ months in arrears) on one or more loans. The percentage of loans in arrears increased slightly, marking the first increase in this proportion since 2023 Q1.

For more insights on the impact of the economy on South African consumers, download the latest Eighty20 Credit Stress Report

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