RCS Loan Reviews in 2026
Apply for RCS loans of up to R250 000.00 with flexible repayment options of 12 to 60 months.
RCS Group has been helping many South Africans with personal loans for decades, offering fast paperless application process online.
Their loan application is very seamless, it is all done online for your convenience, no need to leave work and some your important matters to apply for personal loans.
Simply fill in the RCS application form online and get cash in your bank account within 24 hours of approval if you qualify.
RCS Loans Application Requirements
If you have good credit score, we have listed all the requirements below that you need before you can start your loan application process.
What do I need to apply for RCS loans?
| RCS pre-requisites for loans |
|---|
| A valid SA ID or driver licence |
| Must be 18 years or older |
| Have minimum income of R2 000.00 |
| Proof of income documentation will be required. |
Loan Charges and Fees
An illustrative example of a loan at an interest rate of 28.00% would be: Loan amount of R10 000 borrowed for 24 months.
| Annual Interest Rate: | 28.00%. |
| Initiation fee: | R1207. |
| Monthly service fee: | R69 |
| Total Amount payable: | R17 116,24. |
| Monthly instalment amount: | R713. |
RCS Loans for Blacklisted
If one has bad credit score and needs to apply for RCS loans for blacklisted, can they qualify to apply?
Like with most reputable lenders in South Africa, one of the most important requirements or aspects to qualify for a loan is a very good credit score.
While blacklisting in South Africa might seem to be a myth, good credit standing is a key to access assistance with any lender.
If you are looking for RCS loans for blacklisted, you might not qualify if you have bad credit status.
However, for those who have bad credit, there are lenders that can help people looking for bad credit loans and we have put together an article on how you can access them.
Apply Now
To apply for RCS finance, the process is very simple, they offer paperless applications online, you won’t need to leave work to stand on any queue.
Click here to apply now.
