Payday loan
R 500 – R 8 000
For quick cash when needed, no stress.
- Repaid in one payment on your payday, within 30 days
- Interest from 3% per month, only for the days you borrow
- Same-day payout
Registered credit provider · South Africa
Money when you need it, to live life on your terms.
MCBS Loans offers payday loans, short-term personal loans and purchase order funding for registered businesses, with clear repayments, quick decisions and people you can actually talk to. Calculate an estimate of your monthly repayment.
Answer within 24–72 hours
No hidden fees
Paid into any SA bank
Repayment calculator
See an estimate of your monthly instalments. The money we can lend you depends on your credit application & affordability assessment.
R 800R 50 000
1 month6 months
Borrowed from us in the past year?
Monthly instalmentR 0
Interest & feesR 0
Total repayableR 0
Estimate only. Interest and fees include VAT where it applies. Your final quote follows an affordability assessment and is shown before you sign anything.
How it works
From application to cash in four steps
Calculate
Use the loan calculator to work out your potential monthly payments.
Apply and upload
Fill in the application form, including your monthly expenses, and upload your documents so we can assess affordability. Once the assessment is complete, we give you final approval.
Accept and sign
Accept and sign your credit offer and the DebiCheck mandate for your repayments.
Get paid
Depending on the loan, the money is paid into your account or your supplier's account, or your order is delivered.
Loan options
Pick the loan that fits
Short terms, clear repayments and no surprises. Every loan has a once-off admin fee and a monthly service fee, and the calculator shows both, so you know exactly what you owe and when.
Personal loan
R 800 – R 50 000
For school fees, home repairs, a car service or catching up on bills.
- Repay over 1 to 6 months on your payday
- Fixed monthly instalment
- Early settlement allowed
PO funding
R 100 000 – R 1 000 000
Won a purchase order but need cash to deliver it? We fund it so you can fulfil the order.
- Repaid within 45 days
- For CIPC-registered businesses only
- CIPC documents, the PO, director IDs and bank statements required
What you need
Have these ready and we can move fast
You must be 18 or older and a South African citizen or permanent resident. We check affordability on every application, as the National Credit Act requires. Only PDF documents are accepted.
Payday and personal loans
- Green ID book or smart ID cardA clear copy of both sides
- Latest 3 payslipsOr proof of income if self-employed
- 3 months' bank statementsShowing your salary or income going in
- Proof of addressNot older than 3 months
PO funding registered businesses only
- CIPC company documentsRegistration certificate (COR 14.3) and current director list
- The purchase orderThe signed PO from your client
- IDs of all directorsA clear copy for every director
- Business bank statementsThe last 3 months
Apply
Start your application
Fill in your details and upload your documents. A consultant will check everything and send you a quote. Applying doesn't commit you to anything.
Your documents are sent over a secure connection and only MCBS Loans staff can open them.
Questions
Frequently asked
Can I get a loan if I'm blacklisted?
There's no official "blacklist" in South Africa, only your credit record. We look at your whole situation, including your income and what you can afford, so a low score doesn't automatically mean no.
How long does approval take?
Most applications get an answer within 24 to 72 hours once we have all your documents. Approved loans are usually paid out the same day you sign.
Is it safe to upload my documents?
Yes. Your documents travel over an encrypted connection, are stored privately and can only be opened by MCBS Loans staff. We use them only to assess your application.
Who can apply for PO funding?
PO funding is for businesses registered with CIPC that have a confirmed purchase order from a client. We fund R 100 000 to R 1 000 000 to help you deliver the order, repayable within 45 days. You'll need your CIPC documents, the purchase order and ID copies for all directors.
Can I settle my loan early?
Yes. You can pay off your loan early at any time and you'll only pay interest up to the day you settle.
Do I need to pay anything upfront?
No. MCBS Loans never asks for money before paying out a loan. If anyone asks you to pay a fee upfront in our name, it's a scam. Please report it to us.
Contact
Talk to a real person
Open Monday to Friday 08:00–17:00 and Saturday 08:00–13:00.
Call or WhatsApp[Your phone number]
Emailinfo@mcbsloans.co.za