Pay with Mobicred

Welcome to Mobicred: Your Online Credit Solution

Unleash the power of convenience with Mobicred, South Africa's leading digital credit provider. Mobicred offers you the opportunity to shop securely at over 55,000 locations, both online and in-store, with potential credit of up to R50,000*. Apply online and receive approval in less than 15 minutes*.

Apply Online

Repay your balance via a convenient debit order, where your monthly minimum repayment is just 10% of your outstanding balance (plus fees).

*Ts & Cs apply. Select automated income verification and accept pre-agreement.

In-store payments are only accepted at selected retailers.

The Mobicred Advantage

Choosing Mobicred means stepping into a world of seamless, secure, and flexible shopping. Forget about the hassles of traditional credit cards. With Mobicred, you have everything you need in one digital platform.

  1. Shop As Usual: Browse your chosen store and add your desired items to your cart. During the checkout process, select Mobicred (via Paygate) as your payment option.

  2. Sign In & Verify: Sign in with your Mobicred username and password. This will trigger a One-Time Password (OTP) to your registered mobile device. Enter the OTP to complete the payment.

  3. Enjoy Your Purchase: Once your payment is completed, your order will be ready for dispatch. You can then pay your Mobicred installments when they're due. This makes Mobicred perfect for snagging limited-time deals before they're gone.

  4. Pay at Your Pace: With a Mobicred account, you're not confined to a strict repayment schedule. As long as you're making your minimum payments, you can choose how long you need to settle your balance. Plus, we don't charge any fees for settling your balance early via additional EFT payments.

  5. Continuous Shopping: Your Mobicred account is always ready to serve you. With every repayment, your credit facility becomes available again for more shopping. So next time you're shopping online, #choosemobicred.

Are You Eligible?

While every application is evaluated based on unique factors like credit history and affordability criteria, here are the basic requirements to apply:

  • You must be 18 years or older
  • You must have a valid South African ID
  • You must have a valid South African cell phone number and email address
  • You must have an existing and valid bank account in your name

Go Digital with Mobicred

Mobicred is 100% digital - no cards, no unnecessary paperwork. From application to shopping and account management, everything is handled online. You can even download the Mobicred app and experience digital credit at your fingertips.

Trust in Mobicred

Mobicred is powered by RCS Cards, a registered Credit and authorized Financial Services Provider (NCRCP 38/FSP 44481), ensuring your transactions are always safe and secure.

Need Help?

Our application process is designed to be simple and convenient, allowing you to apply anytime, anywhere. However, if you ever encounter any issues, our dedicated Mobicred support staff is ready to assist you. Contact us at

Experience the future of credit with Mobicred – your online credit solution.

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


What are you looking for?

Your cart