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Credit solutions
Online shopping credit
Mobicred offers a digital credit solution for online and in-store shopping.
Shop at SA’s biggest online & in-store brands
100% digital - from your application to shopping and account management
No set time frame to pay off outstanding balance
How it works
- How it works
Open a Mobicred account
To make use of Mobicred’s digital credit, open an account. Apply by clicking on the “Apply Now” link on this page or download the Mobicred app and tap “Open an account”. You can get a digital credit facility of up to R50,000*. *Ts and Cs apply.
Shop the biggest online brands
Shop online at over 55,000 stores and choose Mobicred as your payment option. You may need to select one of their partner payment gateways like PayU, PayFast, PayGate, Adumo Online, or Peach Payments. Follow the prompts to complete your order, and get it directly from the retailer.
Shop in-store at selected retailers
You can also shop in-store at selected retailers using the Mobicred app to pay. This gives you the ease of mind knowing you have a credit facility for when you need it.
Settle account at your own pace
Payment on your Mobicred account is via a monthly debit order which will reflect on your statement. If you make the required minimum payments, you can decide how long you need to settle your balance. You can also settle your balance sooner via additional EFT payments.
Apply today
Digital credit when you have to have it
Say goodbye to struggling with finding your wallet, credit card details, and all the other hassles of traditional credit cards. Shop knowing you can check out quickly and securely with Mobicred. Shop online at over 55,000 stores, as well as in-store at selected retailers.
When you get a Mobicred account, you enjoy the following:
A digital credit facility of up to R50,000*
No fees on a zero outstanding balance
Convenient debit order repayments of just 7.5% of the outstanding balance each month
Ease of mind knowing you have a credit facility for when you need it
Mobicred is powered by RCS Cards, a registered Credit and authorised Financial Services provider.
NCRCP 38/FSP 44481.
Frequently asked questions
- How do I reset my password and what is the difference between reset and submit?
The password reset is done via the Mobicred website on the login details page. You will receive a temporary password via email, you will need to click on the “Submit” tab when doing a password change.
- Why can’t I proceed with my application?
Please ensure that you complete the application via the Mobicred website making sure the browser you are using is Google Chrome.
- Why has my purchase not been authorised?
Please ensure that your application is activated before making any purchases.
- Where is my order?
These queries are dealt with by the retailer/online store where the purchase was made.
- How long does it take for additional payments to reflect on my Mobicred account?
All additional payments take 24 to 48 hours to reflect on your account.