The password reset is done via the Mobicred website on the login details page. You will receive a temporary password via email, you will need to click on the “Submit” tab when doing a password change.

Please ensure that you complete the application via the Mobicred website making sure the browser you are using is Google Chrome.

Please ensure that your application is activated before making any purchases.

These queries are dealt with by the retailer/online store where the purchase was made.

All additional payments take 24 to 48 hours to reflect on your account.

Once the retailer processes the refund, the funds will reflect on your Mobicred account immediately.

The statements are sent from a no reply email address and sometimes land in spam or junk mail folders.

You can apply by clicking on the “Apply Now” link on this page, or download the Mobicred app and tap “Open an account”.

While everyone’s application is unique based on their credit history, affordability criteria and other factors; here’s the basics you need to have to apply:

• Have a valid South African ID number
• Have an existing valid bank account, a valid email address and a RICA’d mobile number
• Be at least 18 years of age
• You may need to submit 3 months’ most recent bank statements or payslips

Yes, approval of your application is subject to Mobicred’s credit risk and affordability criteria, and in accordance with the National Credit Act’s “Responsible Lending” principles. If, for whatever reason, your application is declined, Mobicred will inform you as to the main reasons for it being declined.

1. Shop at your chosen online store and add products to your cart.
2. During the checkout process, choose Mobicred as your payment option. To find Mobicred, you may need to first select one of their partner payment gateways like PayU, PayFast, PayGate, Adumo Online, or Peach Payments.
3. Sign in with your Mobicred username and password. This will trigger an OTP to your registered mobile device.
4. Enter the OTP to complete the payment.
5. You’ll get your order directly from the retailer, and pay your Mobicred instalments when due.

The interest rate charged per annum will never exceed the maximum interest rate permissible by the National Credit Act.

The interest rate on your account is an annual variable rate linked to the repo rate and will change in accordance with changes made by the South African Reserve Bank.

This means that when the REPO rate decreases or increases, the interest rate on your account will also decrease or increase by the same amount.

The interest rate on your account is an annual variable rate linked to the repo rate and will change in accordance with changes made by the South African Reserve Bank.

This is a once-off fee for the opening of your Mobicred account.

This is a monthly fee for the ongoing administration and maintenance of your Mobicred account, including statements.

Payment on the Mobicred account is via monthly debit order. Monthly instalments are reflected on the Mobicred statement.

Your statement will be sent to you monthly via email.

Mobicred has support staff ready to help you if you need assistance with your application or any account related query.

Contact Mobicred:

Email: customerservice@mobicred.co.za

Phone: 021 126 0700

WhatsApp: 060 762 8284