Rating based on 1 reviews

RCS Loans

  • Personal loans up to R250,000
  • Low-interest starting from 28%
  • Repayment up to 60 months

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RCS Loans homepage
Author RCS Loans. Screenshot of RCS Loans website.
[Accessed April 6, 2023]

About RCS Loans

Getting the best personal loan you need is easier than you think.

RCS offers South Africans a range of financial services that benefit them and enrich their lives on a daily basis.

They 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 bonds designed to last. Their 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.

My credit score is less than perfect

They will work with you regardless of how tainted your credibility is. The only time they might not be able to assist is when they see that you are not financially capable of paying for a personal loan.

As much as they want to assist everyone, it should be on favorable terms for both parties.

A responsible lender you can trust

As a registered credit provider, they 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 require a bad credit loan will therefore not be able to access credit with them.

RCS Loans Services

Enjoy a wide range of loan features and benefits while obtaining what you need quickly and without paperwork.

RCS personal loans - more for less

They offer online personal loans that range from R2,000 to R150,000 with an annual interest rate maximum of 15%. Loan terms will vary depending on loan amount and affordability but range from 12 to 60 months. 

These loans are designed to be approved within seconds and have a low initiation fee of just R1207 and a small monthly service fee of R69.

The great part about their personal loans is that you have the freedom to use them for any purpose.

Looking for a credit card

One of their most popular products is their 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 installments that range from 24 to 36 months.

You can also access exclusive deals as an RCS customer and enjoy massive savings. With RCS you can apply for a loan online and have it credited to your account within 24 hours

Get the best shopper experience

With their affordable RCS store card, you can access over 26 000 stores and enjoy a credit limit between R1,000 and R40,000. This card is used not only by general South Africans but also by multiple entrepreneurs to grow their businesses.

RCS Loans – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 28%
  • Loan Amount up to R250,000
  • Repayment 160 days to 60 months
  • Decision 24 hours

Benefits of RCS Loans

  • Personal loans up to R250,000
  • Loans paid out in 24 hours
  • Flexible repayment terms
  • Customer protection insurance

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.

With RCS you can apply for a loan online and have it credited to your account within 24 hours

RCS brings forth a very simple and convenient application process that can be done in minutes. 

In order to apply you must:

  • Be aged over 18.
  • Be employed and earn R2,000 per month or more.
  • Have an RSA identity document.
  • Have a SA bank account.

They will also ask you to provide them with 3-month bank statements, your bank account details, and a copy of your ID to process your online loan application.

Applying is easy

  1. Fill in your name, surname, ID number, email address, your monthly income, and cell phone number on their online contact form and accept the terms and conditions.
  2. A highly qualified and friendly consultant will then give you a quick call to assist you with your application.
  3. They will then make use of a credit check as well as information regarding your income and expenses to determine if they can approve you for a loan.
  4. Once approved, you can expect to receive the funds in your account in less than 24 hours.

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, they don’t have a problem. Apply today and find out what you qualify for.

They are a well known company that work with so many reputable partners such as Game, Tekkie Town, Makro, Old Khaki, Cape Union Mart and many many more.

Benefits of getting a personal loan with RCS

  • Flexibility and low fees
  • Safety and customer protection
  • Access to cash within 24 hours
  • A convenient and paperless process
man holding thumbs up

RCS Loans is a trusted & reliable provider of personal 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: NCRCP38

Customer Reviews & Testimonials

October 2021

RCS approved my personal loan after a number of credit providers didn’t want to help me.

Ellis G
— Deneysville —

December 2021

Applying for an RCS personal loan is easy and convenient, everything is self-explanatory and straight forward.

Mamokete B
— Sebokeng —

April 2021

I am happy with the interest rates from RCS loans, they are affordable and payable.

Abraham V
— Vanderbijlpark —

RCS Loans Contact

Contact Number


  • not available


Physical Address

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

Postal Address

  • PO Box 111, Goodwood, 7459, South Africa

Opening Hours

  • not available