Rating based on 43 reviews

RCS Loans

  • Short-term loans up to R250,000
  • Low-interest starting from 15%
  • Repayment up to 60 months

In-page navigation

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

About RCS

If youneed a little cash over a short period, ask RCS Loans for a short-term loan today.

The RCS Group offers customers a wide range of financial products as a reputable consumer finance business.

They associated themselves with leading retailers because they want to fulfill their dream which is to improve people’s lifestyles by being innovative in offering desirable and accessible credit products.

Products offered at RCS

RCS is a brand that also works with other brands so they have plenty of products you can choose from. At RCS you can get a range of card, loan, and insurance products:

  • The cards offered at RCS provide convenient credit facilities to consumers.
  • At RCS you can get short-term loans up to R150 000.
  • All their services have insurance, which includes Customer Protection Insurance and Accidental Death Cover, as well as Motor and Home Cover.

RCS Services

RCS have loans tailored to suit everyone’s needs.

At RCS they understand that they have different needs and the level of their affordability differs from person to person. Hence, they have tailored their loans to accommodate everybody’s financial status.

Amazing interest rates

It is important to ensure you can easily afford a loan before agreeing to it.

They have the lowest interest rates and, in a case where the interest ought to be high, they do not exceed the maximum as prescribed by the NCA of 27.25%.

Features and benefits of RCS loans

At RCS they do not tell you how you should spend your short-term loan. You may need a loan for car repairs, your studies, or even a wedding, so they have you covered.

  • You can receive a cash loan from R2,000 up to R250,000.
  • No paperwork, but a quick turnaround.
  • Flexible repayment options, you can choose from 12 months – 60 months.
  • Free monthly statements.
  • Customer protection insurance.

RCS – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 1527.75% p/a
  • Loan Amount up to R250,000
  • Repayment 12 months to 60 months
  • Decision 24 hours

Benefits of RCS

  • Loans paid out in 24 hours
  • Customer protection insurance
  • Low interest starting at 15%
  • Loans up to R250,000

Short-term loan calculator

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

RCS Group is ready to carry your financial troubles

All RCS loans are accompanied by insurance.

The insurance takes over when you are no longer able to repay your monthly installments due to unforeseen circumstances such as being dismissed at work. Customer protection insurance covers:

  • Your outstanding balance in the event of your death.
  • Your outstanding balance when you become permanently disabled.
  • 12 months of loan installments when you become temporarily disabled.
  • Up to 12 months of loan installments when you experience a loss of income.

One application form will let you live a stress-free life.

RCS group has been operating for many years. They know what is good for their clients. That’s why they lend responsibly and at the RCS group, they let you gain control of your finances as well as credit spending.

With them, you will enjoy the ongoing support, service, and guidance you deserve.

The requirements for applying for a loan at RCS

  • You must be over 18 years old
  • Have a valid South African ID
  • Should earn a minimum of R2000 a month.
  • Hold a valid bank account
  • Supply them with proof of income.

How to apply for RCS products

If you need their services, you can quickly visit their website and start applying for a loan by filling in all your details on their online loan application form.

You can also call them during working hours to make a telephonic application. Furthermore, before applying, you should ensure that you have all the necessary documents to avoid delaying your application. Start applying for RCS products today.

  1. Apply and provide them with your information
  2. They will then conduct an assessment and get back to you
  3. You can then agree with their offer if you are happy
  4. Receive the funds in your account

Don’t wait any longer, apply now

RCS Loans is a reputable lender that offers only the best short-term loans South Africa has to offer. Applying with them is simple and you get to enjoy flexibility, fast service and professionalism from a well-experienced team. 

Benefits of a short-term loan from RCS Loans

  • They are passionate about their clients.
  • You will get the support and service you deserve.
  • A loan that will suit your pocket.
  • Fast assistance.

They enhance people’s lifestyles

RCS is based in Southern Africa, but they operate beyond borders. Their services are not only about loans, but they all strive to see a better South Africa and they provide opportunities to engage with diverse colleagues from across the business, at all levels.

RCS is mainly based in Cape Town and Pinelands with service teams across South Africa, Namibia and Botswana.

With more than 1500 employees they are able to successfully keep more than 1.2 million customers happy. You can expect to have your expectations exceeded when you apply with them and they will never treat you like just another number. 

man holding thumbs up

RCS is a trusted & reliable provider of short-term loans

In our review, RCS 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 is a registered credit provider in South Africa: NCRCP38

Customer Reviews & Testimonials

August 2019

These days it is so hard to get a trustworthy credit provider. But when I need to take another loan, I will still choose the RCS group. Their services are so amazing

Wesley K
— Port Elizabeth —

September 2019

RCS group have a fast turnaround. I will always be grateful for their application

Karin G
— KZN —

June 2021

They deliver an out-of-the-ordinary service and have been so helpful to get me exactly what I wanted.

Seeman G
— Paarl —

October 2021

My mom told me about them and I am so happy that I decided to choose them. They deliver a fast and efficient service.

Moolman D
— Hout Bay —

October 2021

A team that went the extra mile for me and my daughter. Great company!

Masipe P
— Humansdorp —

RCS Contact

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, 7459, South Africa

Opening Hours

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