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What is Mobicred



How it works:

New Mobicred users:

  • First, you’ll need to register on Mobicred’s website and complete your application.
  • Once approved, you can come back and pay for your items using Mobicred*. Checkout using Payfast, then select the Mobicred option.
  • Your application may take 1 business days to process
  • If you need your items right now, please select a different payment method. We can’t guarantee that your items will still be in stock when you return.


Existing Mobicred users:

  • Select Mobicred as your payment option during checkout.
  • Log in using your Mobicred username and password.
  • Enter the one-time pin (OTP) that will be sent to your mobile phone.
  • Click on “Confirm & Pay”.
  • Your Mobicred account will be debited and we will send you a confirmation email of your order.

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*Subject to credit approval. T&Cs apply. For more information & interest rates.


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Mobicred is a simple and convenient online credit facility that allows you to shop on rccars.co.za and repay the amount in monthly instalments. Interest is charged at 21% per year. Please note the annual interest rate may change.

As a revolving credit facility, Mobicred repayments are calculated as 10% of the account balance plus fees. These fees will be confirmed with you by Mobicred on opening your Mobicred account and could entail the following:


Monthly service fee of R35.00 (ex VAT)

Once off account initiation fee ranging from R100-R500 (ex VAT), depending on the facility granted.

Please note: The monthly payment amount displayed is indicative only and based on 12 monthly instalments excluding any Mobicred fees.


Register