RCS is a Registered Financial Service Provider / NCRCP38

image of RCS

About RCS

RCS offer 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 holder to make purchases at a massive selection of leading South African retailers and then repay the short-term credit in affordable installments 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.

In a Nutshell

  •  Loan minimum R 1,000.00
  •  Loan maximum R 125,000.00
  •  Interest rate 28% per annum
  •  Loan term minimum 12 months
  •  Loan term maximum 60 months
  •  Average processing time 24 hours
  •  Online application
  •  In-store application
  •  Unsecured loan option
  •  Secured loan option
  •  Bad credit consideration
  •  Early repayment

Get Approved for a Personal Loan Online

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, you bank account details and a copy or your ID to process your online personal loan application.

Eligibility & Requirements

  •  Employed full-time
  •  Credit check
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Loans
  • Insurance

Here’s a short video about RCS

Contact Details

  •  0861 729727
  •  021 597 4727
 Visit Website


 Physical Address

  • Liberty Grande Building, Voortrekker Rd & Jakes Gerwel Dr, Cape Town, Goodwood, 7460, South Africa

 Postal Address

  • PO Box 111, Goodwood, 7459, South Africa