Get an account with South Africa’s largest digital credit provider

Apply Now

How does Mobicred work?
Mobicred is digital credit that allows you to shop safely at over 55,000 places, both online and in-store* – with us being one of these. You could qualify for up to R50,000* credit in less than 15 minutes*.

Repay your balance via a convenient debit order, where your monthly minimum repayment is just 7.5% of your outstanding balance.

*Ts & Cs apply. Select automated income verification and accept pre-agreement. In-store payments are only accepted at selected retailers.

How do I checkout?

Say goodbye to struggling with finding your wallet, credit card details, and all the other hassles of traditional credit cards. Mobicred has got it sorted.

Here’s how to checkout online in less time than it takes to [insert something funny here]:

  1. Shop your chosen store as per usual, and add to cart.
  1. During the checkout process, choose Mobicred as your payment option.
    To find Mobicred, you may need to first select Peach Payments.
  1. Sign in with your Mobicred username and password. This will trigger an OTP to your registered mobile device.
  1. Enter the OTP to complete the payment.
  1. You’ll get your order right away from us, and pay your Mobicred instalments when due.

 P.S This makes Mobicred great for scoring once-in-a-lifetime deals before they’re sold out. 

How long do I have to pay?

With a Mobicred account, you’re not required to pay off your balance within a set time frame. Who wants to get stressed out by paying in 3 or 4, or 12?

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 (good for you!).

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 I 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 SA ID
  • Have a valid SA cell phone number and email address
  • Have an existing and valid bank account in your name

Will I get a card?

Nope, Mobicred is 100% online. From your application to shopping and account management, everything is digital. You can download the App and pretend that’s a card if it makes you feel better. Digital credit in your pocket.

Legal stuff

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

I 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:

Phone:  021 126 0700
WhatsApp:  060 762 8284