Rating based on 35 reviews

RCS Loans

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

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RCS Loans homepage
Author RCS Loans. Screenshot of RCS Loans website.
[Accessed December 8, 2022]

About RCS Loans

RCS has been around for quite some time and has amassed a large number of long-term clients that rely on them to have their financial needs met. 

Looking out for your best interests

While RCS can’t always help all applicants with credit (especially those with too much debt), but they always offer free advice on what you'd need to do better to ensure that you improve your position. 

International financial services provider

RCS doesn’t only borrow money to South Africans. They have clients in Botswana as well and their short-term loan is a customer favorite because it can be paid off quickly.

Different kinds of loans available

RCS's online loans compromise different kinds of offers and products. Have a look at their website and read about the benefits of all their plans.

Choose one that you can afford to pay as opposed to the one that is most appealing based on advantages. As soon as you furnish RCS with the required documents, the money is yours.

RCS Loans Services

The short-term loans RCS offer are available for everybody who meets their credit criteria and who would like to get a loan right away.

No security credit plans

There is no collateral needed when applying for credit. You only need to sign the credit agreement that confirms that you'll stick to the agreed repayments. Find out how you can get one of their quick loans by applying online. 

Loans up to R250,000

RCS' loan services comprise loans of up to R250,000 which can be paid within one year or up to a maximum of five years. Furthermore, the money is made available in your bank account within a day.

Quick personal loans

The personal loan can be used for anything. The premiums are also affordable so you won't feel financially strained while paying off this loan.

With such flexible loan amounts and loan terms, excellent service and speeds that are unmatched in the industry, RCS deliver on their promises. 

RCS Loans – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 1529.25% p/a
  • Loan Amount up to R250,000
  • Repayment 12 months to 60 months
  • Decision 24 hours
  • Monthly Service R69

Benefits of RCS Loans

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

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 can offer you financial support when you need it most

During loan applications with mainstream lenders, you'd stand for a long period of time in a queue and then even more time waiting for feedback.

Today, there's no reason to do that because everything is now done online at a time that's convenient for you.

Getting a short-term loan with RCS is easy as 1, 2, 3

If you want to apply, you need to be above the age of 18 years, should be permanently employed, and should earn at least R2,000.

Furthermore, you should be a South African citizen or permanent resident. If you meet all these requirements, you can apply and RCS will notify you of the amount you qualify for.

After you've furnished RCS with additional documents and everything has been verified, they'll let you know if your application is successful or not.

Get a maximum of R250,000

The total amount you can get is R250 000. However, the loan amount you'll be qualified for is dependent on your credit profile and whether you meet RCS's requirements.

If you qualify and sign your loan agreement, the money will be deposited into your bank account. The repayments will be calculated and split into monthly installments that you can comfortably afford. 

RCS is a transparent lender

One of the reasons why RCS wants to outline everything to you so that you're not surprised later. If you think you might need a payday loan, visit RCS online and start your application - you'll certainly be pleasantly impressed. 

man holding thumbs up

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

In our review, RCS Loans 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 Loans is a registered credit provider in South Africa: NCRCP 38

Customer Reviews & Testimonials

April 2019

I love how understanding RCS is. Getting a short-term loan from them is always a pleasure because they don’t take forever to process your application. Everything is done quickly and efficiently s...

Shaun R
— Vereeniging —

May 2019

Visiting one of their branches, my experience was very positive. I didn’t have to deal with any rude staff but polite, respectful consultants worked quickly to give me the help I needed.

Ntombi M
— Benoni —

RCS Loans 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