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How to manage credit while interest rates are lower While lower interest rates offer short-term assistance by reducing loan repayments, cheaper credit can also be a risky temptation 28 April 2021 - 13:58 It’s not just the role of the bank to be responsible when it comes to loans or credit; consumers need to be more responsible borrowers too. Image: 123RF/Mimagephotography Lowered interest rates have helped many South Africans face the challenge of a loss of income while still needing to keep up their repayments on their home, vehicle and personal loans and other credit agreements.  But while lower interest rates offer short-term assistance by reducing loan repayments, cheaper credit can also be a risky temptation. Buli Ndlovu, executive: retail and business banking marketing at Nedbank, says it’s important for consumers and financial institutions to be responsible in the way they use credit in the coming months and years. 

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