Rating based on 37 reviews

ICS Credit

  • Personal loans up to R125,000
  • Low-interest starting from 28%
  • Repayment up to 60 months

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ICS Credit homepage
Author ICS Credit. Screenshot of ICS Credit website.
[Accessed December 8, 2022]

About ICS Credit

When problems knock on your door, you're sometimes left with little to no solution other than to apply for a payday loan.

ICS Loans has been in operation for several years. They help South Africans from all walks of life access cash when they need it most. With only proof of income, you can get the financial relief you need.

Quick loan approvals

They can call their products quick loans because they won't let you wait for days on end. They'll respond to your credit application quickly and get you approved within minutes.

Delivering true and accurate information

After you've applied for a loan with ICS Loans, they'll give you all the information you need to know about their online personal loans and related processes.

Everything they do is professional and transparent because they don’t want to ruin their excellent reputation by underperforming or being associated with any kind of negativity! 

ICS Credit Services

Their online loans can be applied for by anybody who meets their credit criteria and will be able to pay for their financial obligations on a monthly basis.

No matter how desperate you might be for a loan, don’t apply if you can’t pay back your loan. This tends to make financial problems worse, and that's the last thing anyone needs! 

Cash within 48 hours! 

Once you have completed the online loan form, they'll start by reviewing your application and requesting the necessary supporting documentation.

After your loan application has been processed, the money will be deposited into your bank account within two business days.

ICS Loans is a responsible lender

Once they've dealt with the paperwork, your payday advance will be in your account and ready to use in no time. After all, you'll want to use the money right away, and there's no reason to delay! 

ICS Credit – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 28%
  • Loan Amount up to R125,000
  • Repayment 5 months to 60 months

Benefits of ICS Credit

  • Low-interest starting from 28%
  • Personal loans up to R125,000
  • Repayment up to 60 months
  • Affordable personal loans

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.

Getting a loan should be easy - and that's why they're the preferred lender in SA

Since the economy is so unstable, it's only common for South Africans to use loans to purchase pricey necessities and deal with emergencies. 

Make use of ICS Loans' review system and find out whether or not their personal loans are the right option for you. They've made their services available both electronically and physically at branches nationwide. Therefore, if you prefer to go to one of their offices, their friendly agents will assist you. On the other hand, you can save yourself some time and do everything online.

ICS Loans don't lend based on credit score alone

There's no need to spend a lot of time trying to figure out their application processes because everything is easy to understand. Their payday loans are issued without considering your credit score alone. This makes it easier for people with bad credit to get approved for credit. 

Should you have a history of non-payment, you may still be granted a personal loan. This is because they know blacklisted people may change for the better in time and that credit scores are slow to catch up. 

The instant loan will quickly reflect in your bank account. The sooner it's made available to you, the quicker you can start making use of the money, which is ICS Loans' ultimate goal.

What steps should I take to apply for a loan?

Depending on your credit profile and affordability, you can apply for any amount. However, their online personal loans can’t be offered to an individual that is not in good standing or cannot afford the repayments. 

Although the money should be repaid within 30 days, that doesn’t stop you from paying it sooner! Early repayment can save you a lot of money! 

Affordable rates for all

There is a basic interest rate that they charge for a personal bad credit loan. However, if you want to pay your credit plan sooner, you'll be charged an early repayment penalty. If you take the entire 30 days to pay your loan, you'll only be charged as per your agreement. 

Customer Reviews & Testimonials

December 2018

Thanks to the fast turnaround times offered by ICS loans I was able to get the money that I needed within the same day that I completed my application. Now that is what I call fast service!

Mary P
— Boksburg —

January 2019

The ICS doesn’t have credit checks which make the entire lending process a lot smoother and more efficient. Instead of assessing your credit score they assess your affordability. Thanks for offer...

Jacob P
— Johannesburg —

March 2019

ICS personal loans are a godsend. I found myself in a sticky financial situation and they helped me to get back on my feet. I will recommend them to anyone that is in need of fast money without t...

Jessica S
— Potchefstroom —

ICS Credit Contact

Physical Address

Opening Hours

  • Monday 08:30 – 17:30
  • Tuesday 08:30 – 17:30
  • Wednesday 08:30 – 17:30
  • Thursday 08:30 – 17:30
  • Friday 09:00 – 17:30
  • Saturday 09:30 – 13:00
  • Sunday – Closed