Online Shopping with Mobicred | Sanlam Credit Solutions
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A new credit solution for online shopping

Shop online safely from anywhere with Mobicred.

We’ve partnered with Mobicred to provide you with virtual credit for online shopping at 3,000 retailers.

  • A credit facility of up to R35,000
  • No fees until you buy an item
  • No fees on a zero balance
  • Payment via debit order

Apply today*

*This link will safely transfer you to our partner, Mobicred, so that you can complete the application process.

How it works

Shopping online using Mobicred is easy and gives you access to benefits.

FAQs

Answers to questions you may have about applying for a Mobicred account.

Credit Profile

Get your free monthly credit dashboard.

How it works

Your Mobicred account allows you to make a single monthly payment for all your purchases with a revolving credit limit – allowing you to spend whatever you repay. The participating retailers include Superbalist, Takealot, NetFlorist, Cape Union Mart, Defy, and more.

Shopping online using Mobicred is easy and gives you access to the following benefits:

  • When your application is approved, you get a credit facility of up to R35,000
  • No fees are charged until you buy an item, and no fees are charged on a zero balance
  • You can shop at over 3,000 online stores from the comfort of your own home
  • For your convenience, payment is made via debit order

You can also access your Mobicred account and other credit solutions through your free monthly personalised Credit Dashboard when you register. Your dashboard will help you understand your credit profile, and show you personalised offers for insurance, savings and lending products you qualify for. We also give you free access to a credit management coach.

Frequently asked questions

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 directly via the Mobicred website or by clicking on a Mobicred banner featured on one of nearly 3,000 online stores accepting Mobicred at checkout.

To apply for an account, you’ll need the following:

  • 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
  • Earn a minimum monthly salary of R5,500
  • 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.

You can purchase at any participating online retailer that offers Mobicred as a payment option. Simply select Mobicred as the payment option at the checkout process.

The interest rate charged is 17.5% per annum in accordance with the 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 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.

You may change your banking details on the Mobicred website yourself, or contact Mobicred via email at customerservice@mobicred.co.za or on 021 126 0700 to assist you.

You should contact Mobicred via email at customerservice@mobicred.co.za or on 021 126 0700 to assist you.

RCS is a Registered Credit and Authorised Financial Services Provider. NCRCP38 / FSP 44481

T’s and C’s apply.

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