What is Mobicred and how to use it…

What is Mobicred?

Mobicred is a simple & convenient credit facility that allows you to safely shop online. Your Mobicred account allows you to make one single monthly payment for all your purchases with a revolving credit limit – allowing you to spend whatever you re-pay. Easy online credit application with an instant response.

How does it work?

  • Apply Online – Complete our simple online one-page credit application form and get an instant response.
  • Accept Terms – Accept our terms and conditions and get your credit limit.
  • Submit Documents – Upload or email us your documents to complete the application process.
  • Go Shopping – Thought there was more? Nope. You are now ready to shop online.

Proceed to checkout and choose the Payfast option as a payment method. You will be redirected to the safe and secure Payfast portal, with offer Mobicred as a payment option.

Application requirements

  • A valid South African ID Number
  • Be 18 years or older in age
  • Earn a minimum salary of R5,500.00 per month
  • An existing & valid bank account in your name
  • A current & valid email address & mobile number


*   Mobicred indicative monthly pricing, for 12 months at 17.75% p.a. excluding the monthly fee and a once-off account initiation fee (updated 2022-08-19).

** Total Repayment includes fees and interest at 17.75% p.a (updated 2022-08-19).

Please note that Mobicred is funded by RCS and that RCS is a registered Credit & Financial Services Provider.

T’s & C’s apply

NCRCP 38/FSP 44481