What do I need to apply?

To apply for an Izwe Loan you must:

  • be 18 years or older
  • have a valid SA ID or Drivers License
  •  be employed and earn R2 000 or more per month
  •  You will be required to provide proof of income documentation
How do I apply for a Izwe Loan?

You can apply for an Izwe Loan online by completing the Quick Check and we’ll call you back to complete the application or you can call us on 0861 666 424.

How will I get my money?

The amount that you have been approved to borrow will be paid directly into your bank account.

When will I get my money?

Once your loan has been approved, you will receive your money within 24 hours. This is subject to all your documents being in order.

What size loan can I get?

Based on your individual circumstances, you may be granted a loan ranging in value from R1 000 to R250 000

How will you determine if I qualify for an Izwe Loan?
  • As a registered credit and authorised financial services provider, RCS is governed by the National Credit Act in assessing whether we can provide you with credit.
  • We will conduct an assessment which uses your credit score (which provides us with your credit history and tells us how well you have been managing all your credit in the past) as well as your income and expenses. Based on all this information we will determine whether we can grant you credit at this time
How much will my Izwe Loan cost?

Based on your individual assessment, you will be charged a monthly service fee for the management of your account and interest, in accordance with the NCA regulations.

How do I pay my monthly loan instalment?

Your monthly loan instalment will be automatically debited from your bank account on a date you select at time of application

What if I can’t pay my monthly instalment?

Give us a call on number 0861 666 424  and we will try to assist you in finding a solution that meets your needs

How do I get my account statement?

You will receive your statement either by e-mail or on your mobile. Contact us on 0861 666 424 and a friendly consultant will assist you.

What is Customer Protection Insurance?

For your protection, your loan must include Customer Protection Insurance.  RCS Customer Protection Insurance*, underwritten by Centriq Life Insurance Company Limited*, covers the following:

  • Death Cover – Covers your full outstanding loan balance
  • Permanent Disability – Covers your full outstanding loan balance
  • Temporary Disability – Covers up to 12 months of loan instalments
  • Loss of Income – Covers up to 12 months of loan instalments

*Centriq Life Insurance Company Limited (FSP 7370) is an Authorised Financial Services Provider. Additional information on key limitations, exclusions, risks and charges related to the policy can be viewed at here

Flexible loans, on your terms

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