Rating based on 37 reviews

Personal loans offered by ICS Loans


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

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ICS Loans homepage

Author ICS Loans. Screenshot of ICS Loans website. [Accessed April 5, 2018]

About ICS Loans

When problems knock on your door, you are sometimes left with little to no solution other than that of applying for a payday loan.

ICS Loans has been in operation for a number of years helping South Africans from all works of life with only proof of income as the documentation that is required.

Quick loan approvals

The reason we call our services a quick loan is because we don’t let our customers wait for days on end. We will be sure to respond to your credit applications timeously.

Delivering to you true and accurate information

After you have applied for our loan, we will give everything you have to know about our personal micro loan processes. Everything we do is professional and transparent because we don’t want to ruin our reputation by under-performing or being associated with any kind of negative behaviour.

ICS Loans Services

Our online payday loans can be applied by anybody who meets our credit criteria and will be able to pay for their financial obligations on a monthly basis. No matter how desperate you might be looking for a loan, don’t apply if you won’t be able to pay back your loan.

How fast does it take to get the response?

Once you have completed the online loan application form, we will start by reviewing your application and requesting certain documentation that is necessary for your credit plan. After that is all completed, the money will be deposited into your bank account within two business days.

ICS Loans is a responsible lender

Once we have dealt with paperwork, your instant cash loan will be within your disposal in no time. After all, we know you usually want to use the money right away.

ICS Loans Product Details

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

Summary of Services

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

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

Seeing that the economy is so unstable, it is only predictable that one would apply for credit considering the fact that you might never have enough money to settle your loans, to begin with.

Make use of our review system and find out whether or not our personal loans are the right kind of services you need. We have made our services to be operated from both electronic and physical format. Therefore, if you prefer coming to our offices, our friendly agents will assist you. On the other hand, you can save yourself some time and do everything online.

We don’t perform credit checks

There is no need to spend a lot of time trying to figure our application process because everything is so easy to understand. Our payday loans are issued to a customer without performing any credit checks.

Should you have a history of bad credit, you may still be awarded a personal loan. This is due to the fact that we know blacklisted people may change for the better as time directs them to. Moreover, you will always be in a position of starting afresh.

The instant cash loan will not take a while to be reflected in your bank account. The sooner it is made available to you, the quicker you can start to make use of the money.

What steps should I take to apply for a loan?

Depending on how your credit profile is standing, you can apply for any amount. However, our online personal micro-loans can’t be offered to an individual that is not in good standing of their credit summary.

Although the money should be paid within 30 days, that doesn’t stop you from paying it sooner rather than later.

How do you charge your interest rates?

There is a basic interest rate that we charge for a quick cash loan. However, if you want to pay your credit plan sooner, you will be liable for a higher interest rate. If you take the entire 30 days to pay your loan, the interest rates will be less although you may have to pay a higher loan amount.

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 Loans Contact Details

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