Rating based on 650 reviews
RCS offers South Africans a range of financial services that benefit them and enrich their lives on a daily basis.
We believe in forming strong and mutually beneficial partnerships and have brought this belief to life by partnering with some of the country's leading retailers to bring you the best lending products and services.
More than just another lender
RCS sees you as a partner and not just a customer and have therefore been able to form strong relationships and bond designed to last.
Our credit facilities offer you a way to do the things that matter most to you now and pay off credit used in a simple and affordable way.
What RCS can offer you
One of our most popular products is our RCS credit card which allows the holder to make purchases at a massive selection of leading South African retailers and then repay the short-term credit in affordable instalments that range from 24 to 36 months.
You can also access exclusive deals for RCS customers and enjoy massive savings!
RCS personal loans - more for less
We offer personal loans that range from R1,000 to R125,000 with an annual interest rate maximum of 28%.
Loan terms will vary depending on loan amount and affordability but range from 12 to 60 months. With RCS you can apply for a loan online and have it credited to your account within 24 hours.
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In a Nutshell
- Average processing time 24 hours
- Online application
- In-store application
- Unsecured loan option
- Secured loan option
- Bad credit consideration
- Early repayment
With RCS you can apply for a loan online and have it credited to your account within 24 hours
As a registered credit provider, we abide by the guidelines set out in the National Credit Act and will accordingly conduct an affordability check to ensure that you can afford the credit you want to access.
Those who are blacklisted or bankrupt will therefore not be able to access credit with us.
In order to apply you must:
- Be aged over 18
- Have an RSA identity document
- Be employed and earning R2,000 per month or more
- Have a SA bank account
We will also ask you to provide us with 3-month bank statements, your bank account details and a copy or your ID to process your online personal loan application.
Will my personal loan application be rejected if I submit incorrect information?
Submitting incorrect information will not give you the response that you are looking for from RCS. Instead, we may never accept any future loan applications from you. We can’t be associated with clients who lie about their personal details. Seeing that there are so many scams of late, it is imperative that you give truthful and accurate information only.
We know that it is quite rare to find someone with a perfect credit profile. We will work with you regardless of how tainted your credibility is. The only time we might not be able to assist us when we see that you are not financially capable of paying for a personal loan.
As much as we want to assist everyone, it should be on favourable terms for both parties.
Will my application be accepted for a second loan?
There is nothing stopping you from applying for two personal loans at a time. As long as you have proven that you can afford to pay for both credit advances, we don’t have a problem.
If you have a problem that may make it difficult for you to repay your personal loan on time, please inform us.
Eligibility & Requirements
- Employed full-time
- Credit check
- Recent pay slips
- Bank statements
- Proof of address
Other Products & Services
Customer Reviews & Testimonials
RCS approved my personal loan after a number of credit providers didn’t want to help me.
— Deneysville —
Applying for an RCS personal loan is easy and convenient, everything is self-explanatory and straight forward.
— Sebokeng —
I am happy with the interest rates from RCS loans, they are affordable and payable.
— Vanderbijlpark —
Here’s a short video about RCS
- 0861 729727
- 021 597 4727
- Liberty Grande Building, Voortrekker Rd & Jakes Gerwel Dr, Cape Town, Goodwood, 7460, South Africa
- PO Box 111, Goodwood, 7459, South Africa