Rating based on 33 reviews

RCS Loans

  • Quick loans up to R200,000
  • 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 April 6, 2023]

About RCS Loans

They're a leading online lender that offers affordable loans in SA.

Whether you need a small loan to help you get through a difficult month or you need a bigger loan that your bank is simply not going to approve you for, RCS Loans can help you get it with the speed and simplicity that you deserve to benefit from.

They're passionate about finance

With a passionate and enthusiastic team of consultants, they are able to offer each and every customer the personalised service that they deserve. When you apply for a quick loan with RCS Loans you'll be assigned a consultant who will take care of all of your needs from start to finish.

RCS Loans Services

With astonishingly fast loan processing times, great customer service, and flexible repayment options - they are the lender of choice for people across the country.

Whether you need a loan to take your pet to the vet's office or you want to buy a birthday gift that you cannot afford at the moment - they can help.

Their great loan features

With RCS Loans you can apply for a personal loan of up to R125 000 and select a loan term of between 12 and 60 months. They also have an affordable maximum APR of 28% and a 24-hour turnaround time.

RCS Loans – Quick loan

  • Loan Type Quick loans
  • Interest Rate 1524.75% p/a
  • Loan Amount up to R200,000
  • Repayment 12 months to 60 months
  • Decision 24 hours

Benefits of RCS Loans

  • Loans paid out in 24 hours
  • Customer protection insurance
  • A fast and paperless loan application
  • Quick loans up to R200 000

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.

A quick loan from RCS Loans will help you pay for emergency expenses

Worried that you won't be able to get your short-term loan fast enough?

Well, they offer one of the speediest cash loan services in the country and invite you to take advantage of it!

Choose the right loan term

Rather than having to compromise on your loan amount, you can adjust the loan term to suit your monthly budget and ensure that your personal loan is affordable. Now you don’t have to spend hours waiting for a reply from your bank - apply for a loan online and get a decision immediately.

No more complications and stress

Applying for a payday loan with RCS couldn't be easier. Their online loan application is simple, streamlined and can be completed quickly. Once you’ve made your application you will hear from them on the very same day and they will ensure you get your cash as quickly as possible - usually within 24 hours.

What do you need to apply?

In order to apply for a loan you must be at least 18 years old, have a valid South African ID or driver's license, have a bank account, and must be employed earning an income of at least R2 000 per month. In addition, you will also need to provide proof of income.

What happens if I can't make my payment?

They're a lender that cares about their customers and they try to help you whenever they can- this includes if you are unable to make your repayments on time. Your circumstances might change, making it harder for you to keep up with your payments. If this happens, call them immediately and they'll try to help you find a solution as soon as possible.

A loan personalised to your needs

Unlike banks that tend to treat their customers more like numbers than people, they're different. They treat you as an individual because quite frankly, that's exactly what you are. So when you go to them for a loan, they guarantee you that your application will be treated uniquely.  This means that they'll take the time to get to know your situation so that they can find you a loan that suits your needs.

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: NCRCP38

Customer Reviews & Testimonials

December 2018

RCS Loans is really affordable. They are my go-to when I need a fast loan

Dave F
— Cape Town —

March 2019

“I'm so happy with the loan I got from RCS Loans. It was very easy and very fast.

Tony J
— Pretoria —

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