Rating based on 76 reviews

RCS Loans

  • Quick loans up to R125,000
  • Low-interest starting from 15%
  • Repayment up to 60 months

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RCS Loans homepage
Author RCS Loans. Screenshot of RCS Loans website.
[Accessed January 30, 2023]

About RCS Loans

If you need a short-term loan that pays out with the least bit of effort, RCS Loans could have just what you’re looking for.

They offer a range of financial solutions, from short-term loans to store cards and insurance products. Working in association with many leading retailers, they offer you innovative credit facilities that simplify your life.

The core purpose of RCS Loans

RCS Loans was established to offer you a simple, hassle-free, and uncomplicated credit solution. They wanted to improve your life by offering products and services that add value. RCS Loans offers you convenience, peace of mind, and comfort with each of its products.

Who are RCS Loans?

RCS Loans was established in 1999 with the sole purpose of offering South Africans a credit solution that would simplify their lives.

They operate as an independent provider of financial services in South Africa, Botswana, and Namibia. Since its establishment, they’ve provided more than 1 million customers with innovative financial solutions.

What is a short-term loan?

A short-term loan is a credit facility that’s easier to obtain than other options. Usually, there are no lengthy application processes or long waiting periods for loan approval.

This form of credit has become more popular over the years as it offers instant decisions on online loans and the payout could be instant or paid out within 48 hours after you complete the application.

A unique service

With so many credit facilities on offer, what makes RCS Loans stand out most you might wonder? Their partnership with various retailers sets them apart from the rest.

By partnering with retailers, their credit facilities offer you more competitive offers and lower rates which you can’t access elsewhere.

RCS Loans Services

When it comes to service delivery, RCS Loans has set the bar and they strive to keep raising it.

You can expect outstanding customer service and products that are relevant, useful, and innovative. They’re dedicated to offering you up-to-date products that offer practical use over the long term.

A short-term loan credit solution

With an RCS Loans short-term loan, depending on your current credit profile, you could enjoy quick loan amounts ranging between R2,000 to a maximum of R250,000.

This credit option allows you repayment periods from 12 months to 60 months. You could enjoy interest rates starting from as little as 15%, depending on your credit profile.

They offer you a paperless application that’s quick to complete and easy to understand. Once you’ve completed the application, you’re presented with an instant decision.

RCS Loans are paid out within 24 hours. You enjoy coverage on your loan through the customer protection insurance that’s included in your fees.

What is customer protection insurance?

Customer protection insurance (CPI) is insurance that’s added to your loan to protect you from a range of unforeseen events that would affect your credit repayments.

Should something happen to you and you become permanently or temporarily disabled, suffer a loss of income, or in the event that you pass away, the CPI will then pay a portion of or the entire outstanding loan amount.

With this insurance, you can have the peace of mind that your loved ones won’t be left with debt to pay if you’re unable to pay it yourself.

Understanding that everyone could need a little help now and then, RCS Loans encourages you to contact them should you be unable to pay your loan. They’re always willing to assist you with a workable solution.

RCS Loans – Quick loan

  • Loan Type Quick loans
  • Interest Rate 1527.75% p/a
  • Loan Amount up to R125,000
  • Repayment 12 months to 60 months

Benefits of RCS Loans

  • PERSONAL Loans
  • BAD CREDIT Loans

Quick loan calculator

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

Access an affordable short-term loan with RCS Loans

Applying for a short-term loan with RCS Loans is easy and takes only a few minutes.

They’ve made the entire application available online for your convenience. Their up-to-date technology allows them to give you an instant loan decision.

Which documents are needed for the application?

  • Your South African ID document/Smartcard/Driver’s license
  • Three most recent bank statements reflecting your salary
  • Your payslip or employment contract as proof of employment

The qualifying criterion for an RSC Loans short-term loan

  • The minimum age requirement is 18
  • Have a bank account registered in your name
  • Be employed
  • Earn a minimum of R2,000 per month

How to apply for credit with RCS Loans

To apply for a short-term loan you’ll need a computer, laptop, or smartphone, and an internet connection. On your device, navigate to the RSC Loans website. On the homepage, click the second tab in the top bar that says loans.

You’ll be taken to the loans page where you’ll find all the information you need regarding the options available to you. From there you can follow these 3 easy steps to apply:

On the right side of the screen is a quick application box with questions like:

  • Your name and surname
  • ID number
  • Email address and cellphone number
  • Your gross monthly income.

You’re required to check the two boxes below the questionnaire. The first box relates to the term and conditions of the credit facility and the second box gives RCS Loans permission to do a credit check on your ID number.

  1. Once you’re done, you can click on next and a friendly consultant will call you back shortly to complete the loan application with you.
  2. If your loan is approved, the money is paid into your account within 24 hours of the contract being signed and sent back.

The 5 benefits of an RCS Loans short-term loan

  1. Easy to apply
  2. Paperless online application
  3. Relevant and useful products and services offered
  4. Credit profile dependant, interest rates from as low as 15%
  5. Loans payout within 24 hours of approval

RCS Loans could offer you the financial freedom you deserve

Whether it’s your car that broke down, a wedding you need to pay for, or just to improve your daily cash flow, RSC Loans can offer you the financial solution you need.

They’ve assisted more than 1 million people since 1999 with relevant credit facilities and they can assist you too. Partner with RCS Loans for innovative and up-to-date financial solutions to simplify your life.

man holding thumbs up

RCS Loans is a trusted & reliable provider of quick loans

In our review, RCS Loans adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ RCS Loans is a registered credit provider in South Africa: NCRCP 38

Customer Reviews & Testimonials

February 2018

The payment term is quite reasonable and flexible, I was able to choose from the set time, which was a big relief.

Monique W
— Durban —

May 2018

I was buried in financial crises and thanks to RCS, I am now able to live my life normally.

Harrison C
— Johannesburg —

October 2018

I am glad I chose RCS, it was a really good choice.’

Sven P
— Pretoria —

October 2021

I was buried in financial stress and RCS helped me with a loan. I am now able to live my life stress-free. Thank you, RCS

Apollos B
— Cape Town —

November 2021

I am glad I applied for a loan with RCS, it was a really good choice. Their staff was very friendly and gave me the best advice.

Mandala X
— East London —

December 2021

The payment term was reasonable and flexible, I was able to choose from a range of very affordable loans.

Williams M
— Pretoria —

RCS Loans Contact

Contact Number


  • not available


Physical Address

  • Liberty Grande Building, Voortrekker Rd & Jakes Gerwel Dr, Townsend Estate Cape Town Western Cape 7460 South Africa
  • Get Directions

Postal Address

  • PO Box 111, Goodwood, Cape Town, 7459, South Africa

Opening Hours

  • Monday 08:30 – 16:30
  • Tuesday 08:30 – 16:30
  • Wednesday 08:30 – 16:30
  • Thursday 08:30 – 16:30
  • Friday 08:30 – 16:00
  • Saturday – Closed
  • Sunday – Closed