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Can I Apply for RCS Loans?Find Out Requirements, Terms, Conditions and Application

If your aim is to get a high quality and convenient loan, then you have come across the right company: RCS. It consists in a finance business based on consumers since it offers them a wide variety of products and services. It works in association with other leading retailers that are set in Botswana, Namibia and South Africa. If you decide to explore or work with RCS, you will find loans, insurance, cards and more.

Who is RCS?

            As it was previously stated, this company is meant to make your life easier by protecting your financial security and enhancing your lifestyle. They tend to provide desirable, innovative and amazing credit solutions. What can customers get of RCS?

  • Peace of mind

  • Convenience

  • Comfort

What services does RCS provide?

            RCS offers loan, insurance and card products. The cards are meant to give you credit facilities. The loans tend to provide you with the necessary cash loan or even retail. Finally, insurance at RCS can really come in handy since it provides insurance, home cover, death cover in case of accidents and motor cover.

How can you apply for an RCS loan?

            If you are ready to get an RCS loan you will have to go through one of the easiest application and selection processes. It consists in a series of steps. Once they are completed, RCS will contact you. With only one small phone call you can access a loan of R 150 000. But that is not all. You can access this loan in only 24 hours! Once you have qualified for the selected loan, RCS will can you. But first, they will ask you to provide them with certain pieces of details in order to process the online form.

What are the terms and conditions for an RCS loan?

            In general, these terms and conditions apply to any loan.

  • Clients must be eighteen years old or more

  • Their minimum salary must be of R2000 per month

  • The ID of the applicant must be south African

  • The applicant must have a bank account, ideally at RCS

  • The applicant will provide the bank with three bank statements (the latest ones) during the application process

What does RCS need to process your loan?

            RCS will need your ID number and the details of your bank. This way, RCS can issue a debit order as a method of payment

How are the existing loans at RCS in South Africa?

            The existing loans at RCS offer you extra money, not only for a wedding, possible studies or car repairs, but even debts. A loan at RCS will provide you the following advantages:

  • Loans that range from a minimum of R2 000 to a maximum of R 150 000.

  • The application process is paperless and very fast since you can simply carry it out online

  • Making decisions only takes a few seconds

  • Within only 24 hours, you can cash in your bank account

  • Flexible options for repayment. The options are a lot! Starting from 12 months and reaching 60 months

  • Your monthly statement is for free through SMS or email

  • Insurance for customer protection

How can I use the loan calculators at RCS in South Africa?



Find the best loan of South Africa



            A typical example of a loan calculator at RCS is the following:

Imagine that you decide to borrow a loan of R 7,500 for a period of 24 months. The interest rate would be of 27050% (annually). Meanwhile, the initiation fee would be of R480, which would be charged upfront. The service fee per month would be of R69. This would lead to a total of R12929. These fees generally fluctuate due to the conditions of the market, which are so volatile. They also can change because of the risk profile of the customer. Keep in mind that these values change based on the loan amount that you choose, the interest rate at which the loan was set, the term of the loan which will define the installments and amounts to be paid per month, the initiations fees and the service fees. Now, if you are thinking of a home loan, then the value might depend on the value of your home that was set by the market at the current moment.

What is the telephone number of RCS?

The telephone number of RCS is 0861-729727.

Which are the contact details of RCS?

Here is a table with contents that you may find useful:

Requirements

RCS will give you the opportunity to carry the process online. You must be over eighteen and have the documentation that was previously mentioned.

Telephone

0860 555 111.

Email address

You can submit a text through their website. It works the same as an email.

           

You will find many offices spread all over South Africa, especially in Mow bray and Cape Town. The website provides you with a location of all the offices. It is not a branch locator because it does not have any search filters but you can move with the cursor and consult the offices available in the area.

            To conclude, RCS is a company that will give you the assistance and guidance regarding home loans, personal loans and loans for debt consolidation. Remember that they also provide insurance and cards that are useful and convenient. The company also counts with a section at their website of suggestions, tips and explanations related to loans, insurance and such issues. It is under the name of “Lifestyle”. It comes up with ideas of how redecorating your home can be cheaper, ideas for expanding spaces in your house when it seems too small or crowded with stuff you no longer need, reasons why it is of paramount importance to use a personal budget, flower trends for your possible wedding, among other brilliant ideas.  Also, with RCS you can shop online through the shopping network. You can get to choose to shop by category, such as automotive, DIY, beauty, fashion, electronics, petrol, groceries, etc.

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Questions and Answers

Hi, I am a retired male aged 66. I have investments in nedbank. I am not in any kind of debts. Its just that my money is tied up in an investment for five years. I need a loan of r120000. Is it possible for me as a retired person to get this loan? I can afford to pay the loan back
When a lending company analysis to lend money to an individual, they pay close attention to the financial ability of that person to give the money back plus the rates and fees they charge. As a result, the only way to get a loan with, in this case, RCS is by having documents to certify having a permanent income high enough to pay for the credit. If you can present it and, your credit history is excellent, you can apply at RCS to find out about your loan terms.
How much will I have to pay back per month?
As we don’t have the information needed to answer that question, such as your loan quote and payment term, we’ll provide you with a loan example for you to know an approximate cost of a loan. For a loan request of R7500 over 2 years, you’ll pay R556 per month. This installment includes the interest rate, a service fee charged monthly and, there’ll also be an Initiation fee of R936 charged upfront.
Can I get r200000?
mind is possible. Once you go over the loan request, RCS will get in contact with you to let you know if you’re qualified to get that sum of money. This decision will be made based on your specific situation, financially speaking.
Can you please help me with a loan? I want to settle few of my accounts
RCS can be the answer you are looking for as long as you can present all the documents they request to prove the requirements are met. Then, they’ll tell you if they can approve the loan amount you need to cover all your liabilities based, certainly, on the sum of money you earn per month and how much money you spend on your daily expenses.
How much will I pay? I am looking for 20 000 only
You can initiate your loan application at RCS web page and, wait to see what’s their response. But, there’s something you need to know. They will show you a loan option based on your affordability so, they won’t give monthly payments higher than what you can spend. Also, keep in mind, the number of installments goes from 12 to 60 and, clearly, this factor is decisive to know how much you should pay for the loan.
How can i get a loan?
There are many ways to obtain a loan at RCS: selecting online application in the company´s webpage, sending a message through the same media or phoning on 21 597 4000
Hi, I need one loan that can cover all my debts. I am permanently employed by roots butchery and am earning more than 2000 per month. Can RCS assist me?
We can see your salary meets the minimum requirements RCS demands for their applicants so, now you only need to check the rest. Although you can use the money RCS gives you to cover your debts, these are not consolidation loans, which might be more appropriate for you. Before making a decision, try to look for companies that will consolidate all your debts as, for instance, FNB, African Bank or Standard Bank. If you compare few options, you’ll get to the best loan term.
Hey can I get a loan form rcs? I need a car
RCS can lend you up to r250.000 so, if the vehicle’s value you want to get is covered in that quote, RCS can be a fine alternative. But you might find better options at banks that grant vehicle loans. Such loans are perfectly managed to make the purchase of a car much simpler. At the end, it’s up to you to decide on the best loan.
Can you please process my application, because i need to buy a house for my family. I am working permanently as admin officer from 200 tll to date, I will be glad if you can process as soon as possible
If you have sent your loan application, you will for sure get an answer right away. An important detail you must know is that RCS can’t grant you a home loan. They’ll only offer personal loans that may help you reach the amount you need to buy the house if, for example, you have saved certain amount of money and, you need to complete the total value of the property you want to purchase.
I'm a permanent employee and I'm the owner of a company. I request a loan of r50 000 on behalf of my company
If you want to take a loan from RCS, you have to do it on your own as, they demand pay slips to verify the applicant’s income. This means, RCS does not work with companies when it comes to loans. For such cases, you have to keep an eye on banks like Nedbank or FNB, just to name a few, which do work issuing loans to company on their business loans.
I want to pay all my other creditors and build a house for my mom
If the total amount of money you need is 250.000 rands or less, you can have RCS among your options. To start, check you meet the requirements and that you have all the documents to submit. Then, start your loan application to be one step closer to get the funds you need.
Where can I get a loan? I’m staying in tembisa
You can take advantage of the easiest method this company has to apply for their loans: that is, through their platform. In their web page, there’s a really short form to complete with basic personal details about you before starting the application. Another option is to reach RCS by the phone and discuss your loan alternatives with their agents. Both of these ways are really fast and practical.
Hello there I'm having rcs card, which documents can i bring to apply for a loan?
Whether you have a RCS card or not, the documents to get a loan from this company are the same. The first point is to prove your age and identity so, clearly, you need to take your ID. The second point is to prove you are paid for a job on regular basis so, make sure to keep the last pays lips you got form your employer. The third point is to check your total income and expenses so, you need to present bank statements from the last few months.
I want to know if RCS can consolidate Capitec, Old Mutual, Direct Axis and the University of Pretoria for me and then, I pay only RCS
Even though the RCS Group does not have Consolidation loans, they have Personal loans and, they can also be of great help for you. Supposing you qualify for the total amount you need to pay for all these different debts, you can take that money and cancel them all. After that, you’ll continue paying only one installment per month to RCS.
Can I take a loan if I have a monthly income of R2 500?
Yes, the minimum income acceptable is R2,000 per month. So you can apply now for the loan.
Hi, I need a loan for finishing my house for roofing, how long will I have to wait for RCS loan?
Once you decide the sum of money and terms for your loan, you need to get your documents ready to submit. After that, you can start with the loan request to make it go as faster as possible. The initial decision will be made by the bank in just seconds as, they check the basic requirements are met. Then, when RCS checks your affordability and approves your loan, they will last 2 days top to give you the money.
I want the loan with rcs to pay off all my debts i`m owing. Then, I will face with only one institution which is rcs. Should I be assisted.?
Sure! RCS can be the financial support you need right now. Whenever the loan is aimed to pay for a specific purchase, RCS will make that payment on your behalf and, as months get by, you will cancel the instalments through your bank account. The other option is that RCS transfer the money to your account and, you take care of repaying all your debts.
Can I apply for an RCS loan if I already have a RCS credit card?
As these are two different types of products this entity offers, you can always get both as, sure, you qualify for it. Because you already are an RCS client, they can have easy access to some of your information so, the answer you’ll get, may be even faster. Be aware of the fact that these products differ from one another so, they are processed separately.
I want a loan to get a R300000 new car
I’m afraid, RCS is not a company managing that loan amount. If you can ask only R250.000 and, cover the remaining R50.000 with savings, you can be helped by RCS. Otherwise, you have no option but to look for another bank. In fact, you might check Nedbank or Standard Bank as, they both issue vehicle loans which will surely be more effective for you.
I want to re apply for an RCS loan as I have 1 installment left. What do I do?
I want to start by telling you that this current loan you’re about to finish paying will affect your credit history. If you have been a responsible payer, the score will go up, of course. So, bearing in mind you are on your last installment. you might wait few months until that information is updated and, you will have higher chances of getting a lower cost. Then, you just have to contact RCS to go through a new loan application.
I’d like to make loan to pay for some unexpected expenses for my wedding
Luckily, RCS can assist you on this as, they claim to grant the money in just few days. You will apply by giving them information about your job, age and address and, they will present you their loan offer. If you accept it, you will have fast access to the funds in just 2 business days or less.
Can you help me to get the best loan?
Of course! I always recommend our readers to use our loan simulator to find out what are the banks offering the lowest rates in South Africa. Once you have that result, you can research about the companies you think best suit your budget to decide which of them has the loan product you are looking for.
Hi, I did the instant check and it said that I was pre-approved. How should I go on?
To get RCS pre approval is the first step to get the funds you are requesting. Now, RCS will contact you to get precise information about your credit history to get to the final decision. In this stage, they will find out if you can get the loan terms you stated on your application. Unfortunately, there’s a little chance of being rejected if, for example, your credit score is not high enough.
Need a loan to buy a house
With RCS, you can aim to have 250.000 rands top. So, if you need to use the money to get a house, you must assure the amount is enough as, RCS doesn’t grant home loans. However, you have some other alternatives like, for instance, SA Home Loans, the First National Bank or BetterBond Home loans to get money to purchase a house.
How much will I pay back over 60 months for r124 000?
The cost of each loan differs from each other as, the information about the applicants has direct effect on it. This can be explained simply. The interest rate to pay is based on the applicant’s behavior with payments. That is, the bank will award those who have a really good credit record. We can tell you RCS manages interest rate from 15% to 27.75% and, besides, there are some fees charged and a one-time only Initiation Fee
I need a loan of 100000, how can I get it?
Starting, check the requirements RCS has established so, you’ll know if you have a chance. Then, be sure to have all the documentation needed that prove you meet those requirements. Finally, you can get online to give RCS a call to fill in the application form. If you qualify, the bank will get in contact with you to move on with the application.
I want to know the requirements
Fine, we can help you with that! You ought to be a South African citizen of at least 18 years old, having a minimum monthly salary of r 2000. Also, as the payments are cancelled through Debit Order, you ought to have a bank account. To start processing your application, RCS needs your ID and details form your bank account then, they’ll ask you the rest of the documentation they need to check the requirements.
How can I obtain my RCS Card?
You can do it online or go to your nearest branch (with minimum requirements such as your ID book and your latest 3 months payslips).
Morning, may I ask if you do top ups on existing loans? Required amount r 2500.00 to top up! Thank you
Some entities allow to top up an existing loan but, under certain and strict requirements, of course. The applicant must have at least half the installments paid up and, if they have gotten behind with even one of them at some point in the past, the chances may lower down. You may try to apply to see if you can get a top up loan as, that will depend on how you’ve been cancelling your payments so far.
Can I get the application form?
There are two ways to get the application form from RCS. One way is to get into their web page and find it. Once you get it, you’ll need to start submitting information about your identity and, how to get in contact with you. The other way is to reaching the company by phone. There, you’ll submit the same information to complete the loan application form and, find out if you can be issued a loan with this company.
What is the minimum amount of money that I can take? You can take out from R125 000 onwards.
You can take out from R125 000 onwards.
I was pre-approved for a loan with rcs. 1. Does that mean the credit check was already done? 2. Can I still get declined? 3. How long does it take to get a final answer?
Being pre-approved for a loan does not necessarily mean it’s already confirmed. It simple means you comply with the first stage of the requirements. Now, RCS will go over your affordability and financial status deeply to verify you’re not under administration, for example. Of course, if they find you can’t afford to pay the loan terms you ask, they will reject your application or, if they think it’s possible, offer you a lower amount. RCS assures it only takes a couple of days to get the money.
How much will I pay a month for two years?
Firstly, your monthly payments will vary according to the loan amount you’ll be given by RCS. Besides, sure, they will be affected by fees and the interest rate your loan will get. Let’s picture an example. If, let’s say, you get 7500 rands to pay in 2 years, you can take a maximum rate of 27.75%. Also, you’ll get service fee of R 69 to pay each month. Taking all these costs into account, you might have to pay R 556 on monthly installments.
I am a young man and I’d like to get a loan to my start up business. Can I take a loan from you, coz I am struggling for funding my business of construction? I am employed in ministry of health and social services
Because you get permanent income, you are allowed to ask RCS for a loan. However, at this company you will only get personal loans so, they won’t be the right solution to start a business. You may invest that money on some equipment, for example, but, if you are having financial problems to begin your company, a business loan will be more suitable for you. One of the best South African bank issuing that loan is Nedbank.
Can I apply for a loan if I get paid fortnight?
You are welcome to apply at RCS if you get weekly income. All the same, the bank will research about your finances and current debts to decide if they will give you the money. So, as long as your salary is sufficient to cover for your expenses plus the new loan, RCS will allow you to take a loan from them. Remember, they will demand you to submit salary slips to prove your earnings.
I want to apply for a loan. Will rcs help me?
You can apply for a loan either by phone, in person or online. RCS Will help you throughout the whole procedure, since it has a staff of professionals willing to guide you in each step so as to become eligible.
Can I get the loan while I’m earning r13000 monthly?
What RCS has established as minimum salary to apply is 2 thousands rands so, clearly, you can ask them a loan. Bear in mind the rest of the requirements as, you will also have to prove your income and your identity, for instance. Besides, you need to have an active bank account through which the loan will be deposited and paid.
Must I come to the branch for a loan?
No, and that’s one of main benefits of this company. After you get the loan confirmation from RCS and, as they’ve asked you your bank account details, they will transfer the money into that account for you to have instant access to it. After that, when your payment date arrives, the installment will be debited form the same account. This way, you’ll have the simplest process to get and, to pay for the loan.
Are these loans strictly for South Africans only? What if you are a namibian and needed a loan?
As regards nationality, what this bank has said is that every applicant must have and present a South African Identity Document. For any foreigner interested in applying for a loan, it may be a possibility if they have, for instance, a permanent residence issued by the Government of South Africa. Remember, the applicant must meet other requirements like, having a job, for which you need to be allowed to work.
Hi I need to know if I would qualify for a loan. My income is 3260pm. I need a loan to settle my son's school fees. Please tell me if I qualify. Thanks
Earning more than R 2000 per month places you one step closer to your loan with RCS. Now, you need to begin your loan request to provide RCS more information about you to let them go over your credit assessment. After that, they’ll decide if your overall finance allows you to take the credit.
I would like to know if RCS loans a person who have extra income
RCS will lend money to people meeting their requirements and having a standard credit score. If you earn extra income, you can add it to the loan application for them to have it in mind when deciding the terms. But, you can only do it if you get pays lips from it because the bank has to verify such earnings.
Can I borrow money on a company's name as a director?
Not with RCS. This financial company accepts granting loans only to individuals that need to cover personal expenses. You may use RCS funds to invest on your company if you want to but, it will be a personal loan on your name, not on your company’s name. For business loans, I advise you to take a look at FNB or Nedbank.
Hi, I want to make a loan, what do I do?
Before starting a loan request, you ought to make sure you meet what the entity requests to get a loan. One of the most important requirements for RCS is to earn two thousands rands monthly or more. But, also keep in mind, you need to get salary slips from your job to get a loan form RCS. Once you are sure about this point, you can contact the bank to start your application.
I am self employed. Can I apply for a loan?
RCS won’t allow you to take a loan unless you submit pays lips so, if you work on your own, this company is not a possible solution. All the same, there are banks in South Africa willing to help self-employed citizens. You need to present bank statements from at least 6 months showing certain stability on your monthly income.
When do I get it? I need it for business purposes
The steps you need to follow to receive the loan are 3: fill in the application (online or by phone), submit documents supporting the requirements and wait until RCS gives you the approval and a loan offer. When you get the offer, you can decide if you accept it or not and, from the moment the loan has been confirmed by RCS, in just 48 hours they’ll make the arrangement for you to have the loan in your account.
How much does RCS charges on fees?
To refer to fees RCS includes in their loans, we should mention two. One fee will be paid only once before you start with the official process. This is the initiation fee which is calculated taking the loan quote granted into consideration. The other fee is paid every month and, clearly, it’s included in the installments. This is the Service fee and, it always stays on 69 rands.
Which is the lowest rate for RCS?
RCS loans can be charged with 15 % interest rate as the lowest. Such rate won’t go higher than the maximum allowed by the NCA, which is 27.75%. Don’t forget there are service fees added to the total cost of the loan. An examples of this is, for instance, you will have to pay the Initiation Fee at the beginning. So, ask about it before accepting the loan to know exactly how much should you pay.
Where does RCS come from? It’s under what?
This South African company works under what’s established by the NCA (National Credit Act). This means that RCS is a registered company and, as such it’s allowed to do certain financial operations regulated according to what the NCA establishes. Thanks to this, you can be sure the interest rate your loan gets won’t be higher than what’s allowed, which is 27.75%.
Good day, I don’t have any record of payment. Never had debt in my life. But I do work, will I get a loan?
Here’s the thing. When lending companies pay attention to the record profile of an applicant, they do so to see how she or he behaves paying expenses and debts. That’s how they decide to lend the money or not. When applicants don’t have any record of payment at all, the company finds it difficult to trust on them. Even though, you’ve never had any debt, they can’t take you as a possible client. To build your credit record, you need to have paid for some public service, for example. Another alternative is to ask for short term payday loans as, they don’t pay such attention to the applicant’s financial record. Then, you’ll make sure to repay on time to start building a positive credit record.
what if I don’t have a bank account?
To get a RCS loan you have to open a bank account if you don’t have one already. On one side, this bank will ask you bank statements to check your money movements. And, besides, you are going to pay the loan through a bank account. RCS sets debit orders as method to cancel the installments. So, you need to be the owner of a bank account if you want a RCS loan.
Hi, I want to know how much would be the monthly instalment for 100000 if it's paid with 36mnths?
I’ll show you two examples, each of them with different interest rates as, at the end, the cost of any loan is established mainly by the interest rate charged. If we suppose your loan gets around a 12 % interest rate, we can calculate the monthly cost may be near R 3300. Now, if we take a higher rate, 23 %, the monthly payment may round on R 3800.
Can a person borrow money if you have an existing loan with RCS? For example, I need around r400
Even though your salary might allow you to take more money, at RCS the minimum loan quote to request is R 2000. If you only need R 400, you might look around payday loans companies. That kind of loan is granted for lower amount and, you return the money plus interest in just few months. Some payday loans entities have one installments only but, there are few that offer from 3 to 6 installments.
I want to apply for a RCS loan of r2000, can I?
Sure you can! Actually, that’s the minimum loan quote RCS offers their clients to ask for. As you don’t need a lot of money, you might ask for the shortest term to pay, which is 12 months. What is more, if you don’t want to spend a whole year paying a 2000 rands loan, you can look for a payday loan that should be paid from 1 to 3 months only. This is just another alternative for you to compare and decide.
Hi can you tell me what loan options does RCS offer?
At RCS you are only going to find personal loans issued to individuals. All the same, you can use the funds on anything you need. For example, if you have many liabilities and you want to cancel them to have your payments better organized, you can use the money RCS grants you to pay for those debts.
Can I apply for a loan since I get paid weekly 890 and I get 1200 of grants every month?
RCS’s requirement that refers to the client’s income, states he or she has to earn 2000 rands per month. If gathering your weekly payments, you reach that number, you sure have a possibility to start the RCS application. Don’t forget. You need to have that salary in your bank account and, you’ll also need to present documents proving you earn such amount.
I just want to open a business, will RCS help?
RCS can help you but, only to prepare some details as, they don’t work with businesses. If it works for you, you can take a personal loan and use the money to equip your company, for example. If you need more help than that, you will have to try with another entity able to assist you financially to establish your company.
For the people who get paid for weeks, how much can they ask for?
With disregard of how are you paid, the sum of money RCS will grant you depends on few factors. Some of them are, for example, how much is your monthly salary, how much you spend on your monthly expenses, what’s your credit record and, if you have taken previous loans with them recently. When you begin the credit request, RCS will take this information to present you their loan offer.
I need a new loan. My current loan should end next month. I need to build a house
If you have been responsible with your current loan, you might try to wait a couple of months to get more funds and, I’ll explain why. Once you finish paying for your existing liability, your credit score will be modified according to your payment behaviour. If you paid each instalment on due date, that record will improve giving you the chance of getting lower rates and higher quotes on your next loan.
Please, I need a loan amount 20000.for today. Thank u
Even though RCS tries their best to go fast on the loan application and approval, there are steps that have to be taken seriously. So, it will probably take a couple of days from the day you apply until the day you get the funds. If you need to have the money today, there are companies working with pay day loans, which can be issued the very same day you apply. One of them is Cash Converters.
I want to apply for a rcs loan of just r3000. What is needed?
What RCS asks for when applying for their loans is to have proof of salary, identity and bank statements. It is mandatory for you, as the applicant, to prove you are a South African citizen who is eighteen years old as least and, has a steady job. Apart from having a steady job, your monthly compensation must be 2000 rands or higher.
Can I apply for a loan when I'm using a passport with valid permit?
When we focus on the documents RCS needs to verify the borrower identity, we can say any document issued by the SA Government can work for it. You can also use a SA driver licence to prove you can take a loan. I want to remind you, you need to be employed on legal basis to be eligible for a RCS credit.
Do I qualify for a loan if I don’t get pay slips?
Saddly, it will be more difficult to get a loan if you can’t prove you gain a stable salary per month. RCS demands their clients to submit documents that support earning at least R2000 and, as this is the reason why you might find some difficulty, it will help you a lot if you can present salary slips showing your income stability.
Hi, I want to submit my application for a home loan. I am self employed and I want that money to build rooms for rental
The first point to clarify is that RCS doesn’t work with home loans. So, you should think about another company. The second point is that not all bank grant loans to self-employed as, there’s a higher risk when granting loans to non permanent workers. This means, you must get a bank granting home loans to self-employed as, for example, FNB. But, there’s another alternative in this case, as you intend to start a business, FNB or Nedbank may assist you with a business loan.
I have a rcs loan, can you please tell me if I can make payments in person?
When your loan was issued, RCS surely informed you about the method to cancel the payments. This is done by debit orders simply to make things easier for the bank and for you. You don’t have to try to remember to cancel the loan as, it’s done automatically every month. But, if you have any sort of issue with your bank account, don’t hesitate to contact RCS and inform them about it so, they can fix it.
I need the lowest rate, how can I get it?
To begin, you can know which bank has the lowest rate by using the loan simulator we offer. Once you have that information, the interest rate will be defined by the bank in accordance with your credit history. The best strategy to get low rates is by managing your credit in the most responsible way, meaning, paying your debts on time. That will give you an excellent credit score which, in turns, will give you better rates on your loans.
Someone approached me and they said I can apply even outside the country, but he charged me r1,500 for the process to start. My question is, How genuine is this? Please help
As you can be subject of fraud, you must be completely sure you are dealing with RCS. The only way to get a loan at RCS is by meeting their requirements and applying your self. So, if someone offers you a loan quote before studying your financial information, you should be cautious about it. If you can, contact the bank in person to elicit any doubt.

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Rating: 3
Comment: RCS loans are a good option to whatever project you have in mind.
Rating: 4
Comment: Good service from the RCS bank staff.
Rating: 4
Comment: RCS Card is a nice alternative for purchasing and it includes many good stores.
Rating: 5
Comment: Very good

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