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RCS Loans Contact Details

Verified 17 September 2026Updated 4 October 2026Official source onlyIndependent directoryPublished by Silas T Nkoana, Cape TownReport a wrong number

For RCS loans, call 0861 729 727 (0861 SAY RCS) for customer service and loan applications, or email loanscustomerservice@rcsgroup.co.za for loan enquiries. RCS personal loans range from R2 000 to R300 000 over 12 to 60 months. To report fraud or scams involving RCS, call 021 597 4970 or email investigations@rcsgroup.co.za. 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 needContact
RCS customer service and loan applications0861 729 727 (0861 SAY RCS)
Loan enquiriesloanscustomerservice@rcsgroup.co.za
Card enquiriesrcscards@rcsgroup.co.za
Insurance enquiriespolicies@rcsgroup.co.za
Fraud or scams involving RCS021 597 4970, investigations@rcsgroup.co.za
Reporting employee misconductwhistleblower@rcsgroup.co.za
Head officeMutualpark, Jan Smuts Drive, Pinelands, Cape Town, 7405
Postal addressPO Box 111, Goodwood, 7459

The main RCS Loans customer service number also takes loan applications by phone. For a loan-specific email enquiry, use loanscustomerservice@rcsgroup.co.za. Card enquiries go to rcscards@rcsgroup.co.za and insurance enquiries go to policies@rcsgroup.co.za rather than the loans mailbox.

RCS’s Contact Us page also has a “Send Us A Message” form. You can choose Loans as the reason for the message, or select General Enquiries, Cards, Credit Card, Insurance, Fraud, Compliance, Complaints or Legal, and the form allows you to add your account or card number. The page also has a live chat option.

The WhatsApp number +27 66 473 0157 shown in the RCS website footer belongs to the National Financial Ombud Scheme, where it appears with the 0860 800 900 line and info@nfosa.co.za. It is not an RCS customer service number.

RCS loans amounts, interest and repayment terms

RCS personal loans range from R2 000 to R300 000, depending on your individual circumstances and the National Credit Act. Repayment terms run from 12 to 60 months.

  • 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 gives a representative example of borrowing R10 000 over 24 months at 28% annual interest. The example includes a once-off initiation fee of R1 207 and a monthly service fee of R69, resulting in 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. Your final loan amount and repayment term are confirmed after the full application.

How to apply for RCS loans

You can apply for an RCS loan online at rcs.co.za or by calling 0861 729 727. According to RCS’s How to Apply page, applicants must be 18 or older, have a South African ID or driver’s licence and a South African bank account, be employed and earn R3,000 or more per month, and be able to provide proof of income.

For the application, 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. Once approved, the loan is paid into your bank account.

Paying and settling an RCS loan account

RCS’s FAQs say the easiest way to pay is through the RCS App or the Self Service portal. Other payment methods are EFT, debit order or EasyPay, using your 19-digit account number as the reference. To set up a debit order, call 0861 729 727.

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 containing a settlement amount that is valid for 5 days. If that amount is paid within the 5-day period, the account is closed and RCS provides written confirmation.

What RCS loans can be used for

RCS markets its personal loans for home improvements, study expenses, vehicle expenses, emergencies and weddings. These uses each have their own page on rcs.co.za, alongside a loan repayment calculator and a loan terminology guide.

RCS loan insurance and protection options

RCS offers Customer Protection Insurance, which it describes as cover in the event of death, disability or loss of income. Other plans listed by RCS include a Funeral Plan, Personal Accident Plan, Comprehensive Protection Plan, Critical Illness Plan and Income Protection Plan. Insurance questions should be sent to policies@rcsgroup.co.za rather than loanscustomerservice@rcsgroup.co.za.

RCS fraud line and other contact routes

For fraud or scams involving RCS, the listed contact details are 021 597 4970 and investigations@rcsgroup.co.za. Employee misconduct can be reported to whistleblower@rcsgroup.co.za.

RCS’s head office is Mutualpark, Jan Smuts Drive, Pinelands, Cape Town, 7405. Its postal address is PO Box 111, Goodwood, 7459.

Frequently asked questions

What is the RCS Loans contact number?

The RCS Loans customer service and loan applications number is 0861 729 727 (0861 SAY RCS). For fraud or scams involving RCS, the listed number is 021 597 4970.

What is the RCS Loans email address?

For loan enquiries, the listed email address is loanscustomerservice@rcsgroup.co.za. Card enquiries go to rcscards@rcsgroup.co.za and insurance enquiries go to policies@rcsgroup.co.za.

How much can I borrow with an RCS loan?

RCS personal loans range from R2 000 to R300 000, depending on your individual circumstances and the National Credit Act. Repayment terms are 12 to 60 months.

What do I need to apply for an RCS loan?

According to RCS, you need your ID or driver’s licence and your latest payslip or bank statements. Applicants must also meet the age, employment, income, South African bank account and proof-of-income requirements described above.

Where is RCS Loans located?

The RCS head office is at Mutualpark, Jan Smuts Drive, Pinelands, Cape Town, 7405. The postal address is PO Box 111, Goodwood, 7459.

How do I know these RCS Loans details are correct?

Every detail on this page was read from rcs.co.za on 17 September 2026. Confirm on the official site before you share personal information or make a payment.

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