buy now. pay later!

mobicred is a simple & convenient credit facility that allows you to safely shop online with our participating retailers

open an account log in to your account

the application process

Complete the online application form
your application will be processed instantly
you can begin your online shopping experience

application requirements

A valid South African ID Number
18 years or older
Earn a minimum monthly salary of R5500
An existing & valid bank account in your name
A current & valid email address & mobile number

frequently asked questions

You can apply directly via the mobicred website or via participating mobicred online retailers.

You need to have a valid South African ID number, be at least 18 years of age, earn a minimum monthly salary of R5500, have an existing valid bank account, a valid email address and a RICA’d mobile number. You will need to submit 3 months most recent bank statements or payslips.

Yes, approval of your application is subject to mobicred’s credit risk & affordability criteria, and in accordance with the National Credit Act responsible lending principles. If, for whatever reason, your application is declined, mobicred will inform you as to the main reasons for being declined.

You can purchase at any participating online retailer that offers mobicred as a payment option. Simply select mobicred as a payment option within the checkout process.

The interest rate charged is 20.5% per annum & in accordance with the interest rate permissible by the National Credit Act.

*Monthly instalment is based on a 10% repayment factor, excludes fees and includes interest at 20.5% p.a. **Total Repayment includes fees and interest.
All prices are indicative and actual repayments may vary based on account activity. A once-off initiation fee is applicable to new customers.

The interest rate on your account is an annual variable rate linked to the Repo Rate and will change in accordance with changes made by the South African Reserve Bank.

This is a fee for the opening & initiation of your agreement & mobicred account.

This is a monthly charge for the monthly administration & maintenance of your mobicred account, including statements and all ad-hoc correspondence.

This is a fee that is charged to accounts which are one or more payments in arrears.

This is a fee charged for debit orders that have been returned unsuccessful by your bank due to, for example, insufficient funds.

Monthly instalments, as reflected in the mobicred statement, will be deducted via Debit Order.

You statement will be send to you monthly via email.

Please contact mobicred via email at or on 08600MCRED(62733) to assist you with receiving your statements.

You may change your banking details on the mobicred web site yourself, or contact mobicred via email at or on 08600MCRED(62733) to assist you.

You may change your personal & contact details on the mobicred web site yourself, or contact mobicred via email at or on 08600MCRED(62733) to assist you.