Rating based on 43 reviews



  • Short-term 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 March 8, 2020]

About RCS

The RCS Group is a consumer finance business that offers its customers a wide range of financial services products.

We associated ourselves with leading retailers because we want to fulfil our dream which is to improve people’s lifestyles by being innovative in offering desirable and accessible credit products.

Products offered at RCS

RCS is a brand that also works with other brands so we have plenty of products you can choose from. At RCS you can get a range of card, loan, and insurance products:

  • The cards offered at RCS provide convenient credit facilities to consumers.
  • At RCS you can get personal loans up to R250 000.
  • All our services have insurance, which includes Customer Protection Insurance and Accidental Death Cover, as well as Motor and Home Cover.

We enhancing people’s lifestyles

RCS is based in Southern Africa, but we operate beyond borders. Our services are not only about loans, but we all strive to see a better South Africa. We provide opportunities to engage with diverse colleagues from across the business, at all levels.

What RCS can offer you

RCS have loans tailored to suit everyone’s need.

At RCS we understand that we have different needs and the level of our affordable defers from person to person. Hence, we have tailored our loans to accommodate every body’s financial status.

We have amazing interest rates

The cost of living is high so when you take a loan you should ensure that it is a loan that will never throw you under the bus or rather a loan that will never lead you to bankruptcy. We have the lowest interest rate and, in a case, where the interest ought to be high, we do not exceed the maximum as prescribed by the NCA of 27.25%.

Features and benefits of RCS loans

At RCS we do not tell you how you should spend your short-term loan. You may need a loan for car repairs, your studies or even a wedding we have got you covered.

  • You can receive a cash loan from R2 000 up to R250 000
  • No paperwork, but a quick turnaround
  • Flexible repayment options, you can choose from 12 months – 60 months
  • Free monthly statement
  • Customer protection insurance
  • An interest rate that is as low as 15%

RCS Short-term loans

  • Loan Type Short-term loans
  • Interest Rate 1527.75% p/a
  • Loan Amount up to R250,000
  • Repayment 12 months to 60 months
  • Decision 24 hours

Benefits of RCS

  • Loans paid out in 24 hours
  • Customer protection insurance
  • Low interest starting at 15%
  • Loans up to R250,000

Short-term loans calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

RCS Group is ready to carry your financial troubles

One application form will let you live a stress-free life.

RCS group has been operating for many years. We know what is good for our clients. We lend responsibly. At the RCS group, we let you gain control of your finances as well as credit spending.

RCS group also offer insurances

All RCS loans are accompanied by insurance. The insurance takes over when you are no longer able to repay your monthly instalments due to unforeseen circumstances such as being dismissed at work. Customer protection insurance covers:

  • Death cover: it covers the full outstanding loan balance.
  • Permanent disability- it also covers the full outstanding balance
  • Temporary disability- it only covers 12 months of loan instalments
  • Loss of income- covers up to 12 months of loan instalments.

The requirements of applying for a loan at RCS

  • You must be over 18 years old
  • Have a valid South African ID
  • Should earn a minimum of R2000 a month.
  • Hold a valid bank account
  • Provide proof of income documentation

How to apply for RCS products

If you need our services, you can quickly visit our website and start applying for a loan by filling all your details on our online loan application form. You can also call us on working hours to make a telephonically application. Furthermore, before you apply you should ensure that you have all the necessary documents with you to avoid delaying your application. Start applying for RCS products today.

man holding thumbs up

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

In our review, RCS adheres to the compliance criteria in accordance with NCA regulations, 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

August 2019

These days it is so hard to get a trustworthy credit provider. But when I need to take another loan, I will still choose the RCS group. Their services are so amazing

Wesley K
— Port Elizabeth —

September 2019

RCS group have a fast turnaround. I will always be grateful for their application

Karin G
— KZN —

RCS Contact Details

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, 7459, South Africa

Opening Hours

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