Rating based on 80 reviews

ICS Loans

  • Personal loans up to R125,000
  • Low-interest starting from 28%
  • Repayment up to 60 months

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ICS Loans homepage
Author ICS Loans. Screenshot of ICS Loans website.
[Accessed May 13, 2018]

ICS - Fast personal loans

ICS Loans is a payday loan provider that was founded in Johannesburg.

This proudly South African company offers our clients services nationwide. We offer convenient, fast loans through our easy online application process. We don’t run a credit check or ask you for embarrassing information about your finance. The only check that we will run is to confirm your salary.

Fast loan turnaround times

Our service has granted loans to hundreds of South Africans and we pride ourselves on our fast response time. This together with our excellent customer service has given us a superb reputation. Once you have been approved for a personal loan, your loan will be paid into your account instantly.

Our values

Our values are based on putting the customer first we handle your application form with clarity and honour. All of our dealings are above board and explain fully in a clear, concise manner to our clients. If they do not understand something we will go above and beyond to help understand them before they enter into any contracts.

What is a payday loan

A payday loan refers to a short-term loan that needs to be paid back in full the next time that your salary is paid into your account. You are in control and can choose the amount that you know you will be easily able to pay back without putting yourself under financial strain.

How to apply

To apply is so simple just log onto our website and fill in our easy-to-complete online loan application form. We do not run a credit check so our approval rating is very high and very fast. 

Get money in your account fast

When you need cash for an unexpected emergency lender seem to take advantage of your situation.

They know you are desperate for the money and will do anything and agree to any terms because you need the cash in a hurry and you don’t really think about the consequences of what you are agreeing to.

At ICS loans we don’t want you to be taken advantage of that is why we would like to assist you in finding you the personal loan you need to suit your individual needs without you being taken for a ride.

No credit check loans

Our instant loans can be granted very quickly as the lender does not perform a credit check.

Once your application form and supporting documents have been uploaded, your application can be approved in a few minutes. This means that if you are blacklisted you might still qualify for a loan. The only thing that we check is that you are currently employed and earning a salary.

Get cash now

Once you have been approved the cash will be paid directly into your bank account within a few minutes. This means that you can apply for a loan and get the cash within the same day.

Small loans

The other option we have available is small short-term loans, this allows you to borrow up to R3 000 this loan needs to be paid back within 30 days and will save you money as less interest will be charged. The interest rate that we charge is very competitive. Remember loans that are paid on a daily interest rate will be much higher than those that are charged on a monthly interest rate fee. 

ICS Loans – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 28%
  • Loan Amount up to R125,000
  • Repayment 30 days to 60 months

Benefits of ICS Loans

  • Repayment up to 60 months
  • Affordable personal loans
  • Low-interest starting from 28%
  • Personal loans up to R125,000

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

ICS Loans - we can help you

So you have taken a payday loan to help pay for an unexpected expense, then taken another loan to help make it through the month after paying off your payday loan in one lump sum.

Your accounts and living expenses have become too much to handle and you are struggling to keep your head above water and have been forced into a vicious loaning and debt cycle.  Debt consolidation might be the answer that you are looking for. This process involves merging all your debt into one easy-to-manage account.

Debt consolidation

We will pay off all your debt for you by getting you a deal on a settlement amount for each account. Once we have paid all your debt you will only need to pay us back, this will allow you to make smaller, more manageable payments and lower your risk of missing an individual payment or deciding who you will pay this month. Because you will only have one account to pay, this will, in turn, lower your interest rate and help protect your credit score.

How to get help

Seeing a professional advise you on how to proceed is usually the best option. They will be able to advise you on your rights and which option will work best for you. By helping you arrange your finances or undergo debt counseling, they will be able to advise you which kind of debt consolidation will work for your individual needs.

You will be entering into an agreement that will benefit you. Make sure that the arrangement that you enter into will be easy to manage and the repayment terms favourable. The lender will look at all factors to determine your repayment terms, including your monthly expenses, living costs, and other expenses.

What if I’ve already been blacklisted

If you have already been blacklisted, there are still options available to you including loans for bad credit. Speaking to a professional will let you know where you stand and how to get out of the vicious debt cycle.

The lender will still need to approve your application for debt consolidation. If you don’t have enough money to pay them back, you will be seen as a higher risk and your application could be denied.

Responsible lending

Because we do not run credit checks, it is very important that you understand your level of affordability and that the amount that you borrow will need to be paid back in one lump sum as soon as you receive your next paycheque. We believe in responsible lending and we do not want to push you further into financial difficulty. 

Customer Reviews & Testimonials

November 2018

ICS Loans ensured that I get a loan in the shortest turnaround time.

William L
— Parktown —

December 2018

If you looking for an affordable credit provider, ICS Loans is your best shot at getting a good credit bargain.

Slindile M
— Margate —

March 2019

I am yet to find a credit provider that has the best interests for its clients like ICS Loans.

Michael P
— Pretoria —

ICS Loans Contact

Physical Address

  • 65 Marshall Dr, Mount Edgecombe, Durban Kwazulu Natal 4302 South Africa
  • Get Directions

Opening Hours

  • Monday 08:30 – 17:30
  • Tuesday 08:30 – 17:30
  • Wednesday 08:30 – 17:30
  • Thursday 08:30 – 17:30
  • Friday 09:00 – 17:30
  • Saturday 09:30 – 13:00
  • Sunday – Closed