Rating based on 39 reviews

ICS Loans

  • Personal loans up to R100,000
  • Low-interest starting from 28%
  • Repayment up to 4 years

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ICS Loans homepage
Author ICS Loans. Screenshot of ICS Loans website.
[Accessed January 19, 2023]

About ICS Loans

ICS Loans is a Johannesburg-based financial credit provider.

Although their roots are in Johannesburg, they offer their services nationwide. Their services are offered entirely online. They only confirm your salary, they do not perform a credit check.

Their values are making them what they are today

They work with different people daily. Their clients are their priority. At ICS Loans they always strive to find ways to improve people’s lives. They only do things that are above board and everything they introduce to a client they explain it fully in a clear, concise manner to their clients. One of the things they pride themselves on is that they do not convince nor force you to do or agree to something you do not fully understand, their services are completely transparent.

ICS Loans have a fast turnaround

They know that when you need a quick loan, you want it to be fast as well as get the money you need without wasting any of your time. Thus, they make sure after you have been approved, you receive your funds in your bank account in a few minutes. Through their service, hundreds of South Africans had a chance of getting a loan.

ICS Loans Services

Looking for a loan is not a walk in the park. It needs a dedicated borrower. But at ICS Loans they have amazing loan deals.

At ICS they will take baby steps with you until you receive the money you want. As much as they have tried to simplify their application process, they are always ready to help you when you still encounter problems.

Apply for a flexible personal loan at ICS Loans

You can apply for a personal loan when you need cash to meet your personal needs. Most personal loans are known as long-term loans. A personal loan cannot be repaid over a few minutes, but you can pay it for 12 months or even 6 years.

Types of personal loans found at ICS Loans

  • Secured loans - a secured loan is one that requires collateral before it is even granted to you. All secured loans are known of having low-interest rates because when you fail to make minimum repayments the collateral will be repossessed and auctioned to repay the remaining balance.
  • Unsecured loans - when you apply for unsecured loans you should know that there will be a lot to pay. They are accompanied by high-interest rates. When you fail to make minimum repayments, your case is sent directly to their legal team and they will deal with you legally. Since they do not have collateral to repossess.

ICS Loans – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 28%
  • Loan Amount up to R100,000
  • Repayment 30 days to 4 years

Benefits of ICS Loans

  • Personal loan amount up to R100 000
  • Competitive interest rates
  • Flexible repayment terms

Personal loan calculator

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

ICS Loans your number one credit provider

At ICS Loans they have simplified their application process and it only takes a few minutes to complete.

Any working person can apply for ICS Loans. They do not do a credit check they give loans to bad credit clients, the only thing they do is do a salary check.

ICS Loans does not perform credit checks

All their instant cash loans are granted quickly. They do not check your credit. ICS Loans is for people, they work towards improving the lifestyle of all South Africans. As much as it may seem as if they are gambling with their funds, they want to give everybody a chance to be financially smart. Some people are blacklisted because they lacked knowledge back then. They grant you a loan based on your monthly income.

Apply at ICS Loans

When you need ICS services, you can simply visit their website and apply there. Since they do not do a credit check, you might be approved in a minute. At ICS Loans they are available in their offices on weekdays and you can also call them and a consultant will gladly assist you.

They comply with NCR

At ICS Loans they are registered lenders that comply with the National Credit Regulators. The NCR encourages responsible lending which simply means as credit providers are not allowed to borrow money that is more than what you can afford. When they do that, they will be disrespecting South African Law.

Customer Reviews & Testimonials

August 2019

I am still amazed by ICS's quick turnaround. They are the only credit provider I will always run to in times of emergencies

Leslie W
— Empangeni —

October 2019

I like how ICS Loans is so unique. It is the only credit provider that does not do credit checks

Kevin H
— Margate —

September 2019

The reception I received at ICS Loans was amazing. Their consultants are so welcoming.

Lebo Q
— Pietermaritzburg —

ICS Loans Contact

Physical Address

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

Opening Hours

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