Rating based on 2 reviews

RCS Loans

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

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RCS homepage
Author RCS. Screenshot of RCS website.
[Accessed December 9, 2022]

About RCS

RCS offer a scope of financial services and leverage their relationships with various retailers in South Africa, Namibia, and Botswana.

The financial products offer customers online loans of up to R250,000, to suit their needs and budgets.

RCS strives to upgrade an individual’s way of life and to ensure that their financial security is established through inventive, innovative, and transparent credit arrangements.

RCS make quick loans easily accessible

The thought is to empower you to appreciate the accommodation, solace and true serenity offered by their products and services.

They're focused on making their financial offerings more accessible to clients just like you. The RCS Card is accepted at more than 20,000 retail locations over South Africa and offer flexibility, security, and affordability.

From clothing to furniture, car parts to home accessories and even the latest tech, one card gives you access to credit throughout South Africa and our biggest retailers.

RCS Services

If you're searching for a loan, for whatever reason, trust RCS Loans to make it possible.

RCS offer personal loans online and a paperless procedure without any standing in line or signing mounds of paperwork. 

Get a quick loan within only 24 hours. They also offer unbelievable rates! RCS offer terms of between 12-to-60 months to repay your debt, making affordability a reality.

RCS's quick personal loans

Whether you're searching for additional cash for a home or car repairs, your studies or even a wedding, trust RCS to make it happen. From the beginning to the end the process is simply faster and simpler.

All it takes is a few minutes to complete the loan application online – and they’ll get back to you promptly.

Once your application is approved, the funds are transferred into your account within a day or two for you to use on whatever you would like to. 

RCS – Quick loan

  • Loan Type Quick loans
  • Interest Rate 1529.25% p/a
  • Loan Amount up to R250,000
  • Repayment 12 months to 60 months
  • Decision 24 hours

Benefits of RCS

  • A fast and paperless loan application
  • Loans paid out in 24 hours
  • Customer protection insurance

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.

RCS offer Quick loans online within 24 hours

RCS has two main product offerings; online loans & insurance.

RCS Insurance presently comprises; motor and home cover, customer protection insurance and accidental death cover.

Apply for an RCS quick loan

The cards can be utilised in retail and technology stores across the country with a single swipe – credit on hand!

RCS is inspired and driven by understanding people and their lifestyles and guarantees your cash-related security through imaginative, inventive, and transparent credit facilities.

They want to engage their customers and ensure they enjoy the affordability and convenience offered by their credit options. RCS is fully centred on making access to credit easier for individuals who are able to afford it.

RCS is proud that its products are recognized across over 20,000 retail stores throughout South Africa. For them, it's about making anything possible in a world where the needs of clients are the primary driving force.

RCS do their best to find the most suitable online loan or credit option to suit your requirements, your budget, and your lifestyle. If you're hunting down money, for whatever reason, trust RCS to deliver it.

Simple, speedy RCS credit

Their loan application process takes only a few minutes to complete before it goes through for pre-approval. Once approved you'll have access to the quick loan!

And it doesn’t matter what you need the cash for. Whether you need to make some upgrades to your home or repair your car, pay for educational costs or maybe a vacation, RCS has the right finance option.

Getting cash with an RCS is simpler and faster than ever before. Apply today and repay your loan within 12 to 60 months.

In order to apply you need to meet the following criteria:

  • You should be 18 or older
  • Be in possession of a South African ID or driver's licence
  • You'll also need to have a bank account in your name and earn more than R2,000 per month

RCS will conduct an assessment of your credit score whereby your credit report will tell them how well you manage your debt. Once this has been determined they'll make the decision as to whether they can provide you with credit.

Loan repayments are automatically debited from your banking account on the date you selected when you applied for your loan.

man holding thumbs up

RCS is a trusted & reliable provider of quick 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: NCRCP 38

Customer Reviews & Testimonials

February 2019

The loans at RCS are affordable and can be payable on a monthly basis.

Jeffery C
— Sandton —

May 2019

If you looking for affordable loans, RCS is the way to go.

Robert B
— Vanderbijlpark —

RCS Contact

Contact Number


  • not available


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, Cape Town, 7459, South Africa

Opening Hours

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