RCS loans: terms and fees

RCS: loan costs and fees

Interest rate

15–28% a year (based on your individual assessment, fixed for the term of the loan; RCS states it never exceeds the NCA maximum of 28%; not an APR: initiation fee and service fee are extra)Source: rcs.co.za/our-products/personal-loan · 8 Oct 2026

Cost example

R10 000 over 24 months at an annual interest rate of 28%: initiation fee R1 207, monthly service fee R69, monthly instalment R713.18, total amount payable R17 116.24Source: rcs.co.za/our-products/personal-loan · 8 Oct 2026

Fees and charges

• Initiation fee: R1 207 in the example (R10 000 over 24 months)
• Monthly service fee: R69
• Fees are subject to change and depend on the customer's risk profile

Source: rcs.co.za/our-products/personal-loan · 8 Oct 2026

RCS: contact number and email

Phone

0861 729 727Source: rcs.co.za/about/contact-us · 7 Oct 2026

Email

loanscustomerservice@rcsgroup.co.zaSource: rcs.co.za/about/contact-us · 7 Oct 2026

Website

rcs.co.zaSource: rcs.co.za · 7 Oct 2026

Is RCS registered with the NCR? What we checked

Company

RCS Cards (Pty) Ltd (Company reg. no. 2000/017891/07)Source: ncr.org.za · 7 Oct 2026

NCR registration

Listed in the NCR register of credit providers, no. NCRCP38 (Registered); checked 7 Oct 2026Source: ncr.org.za · 7 Oct 2026

RCS is a brand of RCS Cards (Pty) Ltd. Listed in the NCR register of credit providers, no. NCRCP38 (Registered); checked 7 Oct 2026.