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MFC Settlement Contact Details

Verified 26 September 2026Updated 5 October 2026Official source onlyIndependent directoryPublished by Silas T Nkoana, Cape TownReport a wrong number

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To get an MFC settlement figure without phoning, SMS S, a space and your ID number to 31795, or email selfservice@mfc.co.za with “S” and your ID number as the subject line. The SMS returns the figure and the email returns a settlement letter. If the system cannot answer, MFC refers you to its Service Centre on 0860 879 900.

ContactDetails.co.za is an independent directory and is not MFC or Nedbank. We cannot see a finance account or issue a settlement letter.

MFC settlement contact details at a glance

What it is forContact
Settlement figure by SMS (R1.50 per SMS)S, a space and your ID number (for example “S 8888820001777”) to 31795
Settlement letter by emailselfservice@mfc.co.za, subject “S” space ID number, body left blank
Outstanding balance instead of settlementSame SMS number or mailbox, using B instead of S
Settlement online, any timeNedbank Money app or Online Banking, logged in with your Nedbank ID and with the MFC account linked
When self-service fails: MFC Service Centre0860 879 900 (Mon to Fri 08:00 to 16:30, Sat 08:00 to 12:00)
Balloon payment restructurecollections.res@mfc.co.za or 0801 114 949 (Mon to Fri 08:00 to 16:30)
MFC auctions011 879 9321 (Mon to Fri 08:00 to 16:30)
MFC Contact Centre, as listed by Nedbank084 196 4473
Vehicle finance complaintscomplaints@mfc.co.za or the MFC Compliments or complaints form

Your outstanding balance is not your settlement amount. MFC says the balance includes interest for the rest of the term plus arrears or extra payments, so ask for S, not B, when you want to pay the car off. MFC does not publish how long a settlement figure stays valid or a separate settlement phone line.

MFC settlement login

mfc.co.za has no separate settlement login page. To check your MFC settlement online, log in to the Nedbank Money app or Online Banking with your Nedbank ID and link your MFC account. There you can get settlements, statements, tax certificates, cross-border letters and registration papers. The MFC website also links a “My MFC Contract” portal at mymfccontract.co.za in its header and footer. Without logging in, the SMS to 31795 and the email to selfservice@mfc.co.za still work.

Getting an MFC settlement quote or letter

To get an MFC settlement quote or request a vehicle settlement letter, email selfservice@mfc.co.za from the email address MFC has on record, with “S”, a space and your ID number in the subject line. The letter is emailed to the address on record. For a quick settlement figure, SMS the same text to 31795. MFC is a division of Nedbank Ltd, so a Nedbank vehicle settlement on an MFC-financed car uses the same routes. If your account has been active for less than 6 months, the self-service will not send the figure and the MFC Service Centre on 0860 879 900 responds instead.

What to have ready for an MFC settlement

  • Your ID number, typed with the letter and one space in front of it.
  • The cellphone number or email address MFC has on record. The system checks the sender against it, and sends the answer only to the details on record.
  • An account at least 6 months old and not in arrears. Otherwise the automatic reply says the service centre will respond instead.
  • Your 11-digit MFC finance account number for paying the settlement.
  • A Nedbank ID if you want the figure in the Money app or Online Banking.
  • For a private sale: a signed written agreement with the buyer’s verified ID details.

Checking and paying your MFC settlement step by step

  • From the registered cellphone, SMS S and your ID number to 31795, or from the registered email address send a blank email to selfservice@mfc.co.za with S and your ID number in the subject line only.
  • If you prefer to log in, register a Nedbank ID, then in the Money app tap More, Settings, Account settings and Link accounts, and select the MFC account. Settlements, statements and registration papers are then available there or on Online Banking.
  • If the reply says there is no active account for your ID, or that your cellphone number or email address does not match or is missing, call 0860 879 900. To change the cellphone number or email address on record, MFC asks you to visit a Nedbank branch with a copy of your barcoded ID and proof of residence.
  • Pay using your 11-digit finance account number as the reference. From another bank’s app, search the approved beneficiaries for “MFC, a division of Nedbank Ltd”. To pay at a Nedbank cash deposit ATM or by EFT, use the payment details on MFC’s Manage my accounts page at mfc.co.za, not details sent to you by anyone else.
  • Selling privately? Confirm the settlement figure with MFC, go with the buyer to the bank for the transfer, send MFC the proof of payment, and do not hand over the car until MFC confirms the funds have cleared.
  • Once MFC confirms nothing is owed, arrange collection or delivery of the original NaTIS document. MFC says originals are couriered within 5 to 7 working days.

If you traded the car in at a dealer, MFC’s FAQ says the account stays your responsibility until the dealer actually settles it. MFC also warns that handing a financed car to a company that promises to take over your instalments is illegal, and you remain liable until the account is settled in full.

MFC balloon settlement

A balloon payment is the larger lump-sum last instalment, and the full loan amount including interest on the balloon still has to be paid. Three months before a balloon payment is due, MFC sends a quotation for paying it off over different terms: 6, 12, 18, 24 or 36 months. To ask for a restructure, email collections.res@mfc.co.za or call 0801 114 949, Monday to Friday 08:00 to 16:30.

Selling the car to settle MFC

MFC says you must settle the account in full before changing vehicle ownership, and handing over payment responsibility without written permission breaches the agreement. If you cannot keep up payments, MFC’s published options are to sell the car privately and settle (it names Avo Auto Assisted Sales as help), restructure, or voluntary surrender, after which the car is auctioned and you are liable for any shortfall. MFC does not describe a separate “settlement offer” product. For help selling and settling, call 0801 114 949.

MFC auctions and dealer login

MFC holds regular vehicle auctions around the country; see the auction calendar at mfc.co.za/home/auction-calendar.html or call 011 879 9321, Monday to Friday 08:00 to 16:30. The dealer login on mfc.co.za (dealerweb.nedsecure.co.za) is for motor dealers only, not account holders; customers use the Money app or the SMS and email self-service.

Complaining to MFC or Nedbank

MFC head office address

MFC is a division of Nedbank, and its head office is Nedbank Ltd, 135 Rivonia Road, Sandown, Sandton. Its postal address is Client Value Management, PO Box 1144, Johannesburg, 2000. Settlement letters are requested through MFC’s contact routes rather than at the head office. All MFC routes are on our main MFC contact details page.

Frequently asked questions

How do I get my MFC settlement letter?

Email selfservice@mfc.co.za from the address MFC has on record, with “S”, a space and your ID number in the subject line and the body left blank. The letter is emailed back to that address.

How do I check my MFC settlement by SMS?

SMS S, a space and your ID number to 31795 (R1.50 per SMS), for example “S 8888820001777”. The figure comes back to the registered cellphone. To get your outstanding balance instead, use B rather than S.

Is there an MFC settlement login?

Not a separate one. You log in with your Nedbank ID in the Money app or Online Banking, where the MFC account is linked, and settlements, statements and registration papers are available there.

What is the MFC settlements contact number?

MFC does not publish a separate settlement line. If self-service fails, call the MFC Service Centre on 0860 879 900, Monday to Friday 08:00 to 16:30 and Saturday 08:00 to 12:00.

Is my outstanding balance the same as my settlement amount?

No. The balance includes interest for the rest of the term plus arrears or extra payments, so ask for the settlement figure (S), not the balance (B).

Sources

  • mfc.co.za: Manage my accounts (Request a balance or settlement, troubleshooting, paying your account), read 16 September 2026
  • mfc.co.za: Help Centre contact tab, general FAQ, payment problems FAQ and compliments or complaints form, read 16 September 2026
  • personal.nedbank.co.za: Contact us page (MFC Contact Centre and complaints), read 16 September 2026
  • mfc.co.za: Manage my accounts, Help Centre, general FAQ, payment problems FAQ and auction calendar, read 26 September 2026
  • personal.nedbank.co.za: Contact page (MFC Contact Centre), read 26 September 2026