RCS Loans Contact Details

The RCS Loans contact number is 0861 SAY RCS (0861 729 727), RCS’s customer service line, which also takes loan applications by phone. Loan enquiries by email go to loanscustomerservice@rcsgroup.co.za. RCS personal loans range from R2 000 to R300 000 over 12 to 60 months, and once approved the money can be in your bank account in as little as 15 minutes. To report fraud, call 021 597 4970. RCS is a registered credit provider (NCRCP 38) and authorised financial services provider (FSP 44481), with its head office at Mutualpark, Jan Smuts Drive, Pinelands, Cape Town. Every detail below was read from rcs.co.za on 17 September 2026.

RCS Loans contact number and email

What you need	Contact
RCS customer service and loan applications	0861 729 727 (0861 SAY RCS)
Loan enquiries	loanscustomerservice@rcsgroup.co.za
Card enquiries	rcscards@rcsgroup.co.za
Insurance enquiries	policies@rcsgroup.co.za
Fraud or scams involving RCS	021 597 4970, investigations@rcsgroup.co.za
Reporting employee misconduct	whistleblower@rcsgroup.co.za
Head office	Mutualpark, Jan Smuts Drive, Pinelands, Cape Town, 7405
Postal address	PO Box 111, Goodwood, 7459

RCS’s Contact Us page also has a “Send Us A Message” form, where you choose Loans (or General Enquiries, Cards, Credit Card, Insurance, Fraud, Compliance, Complaints or Legal) as the reason and can add your account or card number, plus a live chat option. The WhatsApp number +27 66 473 0157 that appears in RCS’s website footer belongs to the National Financial Ombud Scheme, listed with its 0860 800 900 line and info@nfosa.co.za; it is not an RCS customer service number.

RCS personal loan: amounts, rates and fees

• Loan amounts: R2 000 to R300 000, depending on your individual circumstances and the National Credit Act.
• Interest: from as low as 15%, based on your individual assessment and fixed for the term. RCS says its rate will never exceed the 28% maximum prescribed by the National Credit Act.
• Term: 12 to 60 months.
• Speed: a provisional answer in minutes, and cash in your account as soon as 15 minutes after approval.

RCS’s representative example: borrowing R10 000 over 24 months at 28% annual interest carries a once-off initiation fee of R1 207 and a monthly service fee of R69, giving a monthly instalment of R713.18 and a total amount payable of R17 116.24. RCS notes that fees can change and depend on your risk profile, and that your final loan amount and term are confirmed after the full application.

How to apply for an RCS loan

Apply online at rcs.co.za or call 0861 729 727. According to RCS’s How to Apply page, you can apply if you are 18 or older, have a South African ID or driver’s licence and a South African bank account, are employed and earn R3,000 or more per month, and can provide proof of income. You need your ID or driver’s licence and your latest payslip or bank statements. You answer a few questions for a response within seconds; if provisionally approved, you complete the full application and upload your proof of income online, and the loan is paid into your bank account once approved.

Paying, settling and closing your RCS account

RCS’s FAQs say the easiest way to pay is the RCS App or the Self Service portal, and you can also pay by EFT, debit order or EasyPay, using your 19-digit account number as the reference. Call 0861 729 727 to set up a debit order. Payments can also be made at stores including Pick n Pay, Game, Makro, Builders, Foschini, Total Sports, Markham, Galaxy & Co, Sportscene, Relay Jeans, @home, Exact, American Swiss, Fabiani, The Fix and Sterns. To close an account, call 0861 729 727 and follow the prompts; RCS sends a settlement letter with a settlement amount that is valid for 5 days, and the account is closed, with written confirmation, once that amount is paid within the 5-day period.

What RCS loans are used for, and cover options

RCS markets its personal loan for home improvements, study expenses, vehicle expenses, emergencies and weddings, each with its own page on rcs.co.za alongside a loan repayment calculator and a loan terminology guide. RCS also offers Customer Protection Insurance, which it describes as cover in the event of death, disability or loss of income, and other plans including a Funeral Plan, Personal Accident Plan, Comprehensive Protection Plan, Critical Illness Plan and Income Protection Plan. Insurance questions go to policies@rcsgroup.co.za rather than the loans mailbox.

Sources

• RCS Contact Us page and site footer, rcs.co.za/about/contact-us/, read 17 September 2026
• RCS Personal Loan, How to Apply and FAQ pages, rcs.co.za, read 17 September 2026