Rating based on 1 reviews

RCS Loans

  • Personal loans up to R125,000
  • 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 30, 2018]

About RCS Loans

RCS offers 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.

RCS Loans Services

One of our most popular products is our 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 for RCS customers and enjoy massive savings.

RCS personal loans - more for less

We offer online 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.

RCS Loans – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 28%
  • Loan Amount up to R125,000
  • 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 loan calculator is for illustration purposes only.
The use of this quick loans 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

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 require a bad credit loan 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, your bank account details, and a copy of your ID to process your online loan application.

Personal loan application when I submit incorrect information

Submitting incorrect information will not give you the response that you are looking for from RCS. Instead, we may never accept any future loan applications from you. We can’t be associated with clients who lie about their personal details. Seeing that there are so many scams of late, it is imperative that you give truthful and accurate information only.

We know that it is quite rare to find someone with a perfect credit profile. We will work with you regardless of how tainted your credibility is. The only time we might not be able to assist is when we see that you are not financially capable of paying for a personal loan.

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

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, we don’t have a problem. If you have a problem that may make it difficult for you to repay your personal loan on time, please inform us.

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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 2018

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

Ellis G
— Deneysville —

December 2018

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

Mamokete B
— Sebokeng —

April 2019

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