How does Mobicred work?

Mobicred is digital credit that allows you to repay your balance via a convenient debit order, where your monthly minimum repayment is just 10% of your outstanding balance (plus fees).

How do you checkout?

  1. During the checkout process, choose Credit Card / Instant EFT / Mobicred as your payment option.
  2. Sign in with your Mobicred username and password. This will trigger an OTP to your registered mobile device.
  3. Enter the OTP to complete the payment.
  4. You’ll get your order right away from us, and pay your Mobicred instalments when due.

How long do you have to pay?

With a Mobicred account, you’re not required to pay off your balance within a set time frame. As long as you’re making your minimum payments, it’s up to you to decide how long you need to settle your balance. We also don’t charge any fees for settling your balance early via additional EFT payments.

You can use your account multiple times within a month, and with every repayment your credit facility becomes available to you again to keep on shopping. So next time you’re shopping online, #choosemobicred.

Do you qualify?

While everyone’s application is unique based on their credit history, affordability criteria and other factors; here’s the basics you need to have to apply:
  • Be 18 years or older
  • Have a valid South African ID
  • Have a valid SA cell phone number and email address
  • Have an existing and valid bank account in your name
Get Started With Mobicred

Will you get a card?

Nope, Mobicred is 100% online. From your application to shopping and account management, everything is digital. Digital credit in your pocket.

Legal Stuff

Mobicred is powered by RCS Cards, a registered Credit and authorised Financial Services Provider. NCRCP 38/FSP 44481.

Need Help?

The application process is simple, easy and can be done anywhere & anytime; but Mobicred has support staff ready to help you if you get stuck in the process. Contact them here: