For any questions,
call us on
0861 SAY RCS (729 727)
Our friendly consultants
are standing by.
call us on
0861 SAY RCS (729 727)
Our friendly consultants
are standing by.
©2011 - RCS Group.
RCS is a registered credit and financial services provider.
NCRCP 38&39/FSP 38911
FAQ
Q: Can a housewife apply using her own bank account?
A: Yes, but only if your spouse’s salary is being paid into this account. (3 month bank statements required to prove regular income required)
Q: I am a temp, can I apply for a loan?
A: Yes but you will need to provide us with 3 months bank statements to prove a regular sustainable income.
Q: Why is your interest rate so high?
A: We are NCA compliant and offer unsecured loans (i.e. you do not have to put your car or home up for collateral). The interest rate is fixed for the term of the loan, which makes it easier to budget.
Q: If I do an application now, when will I get the money?
A: Once approved, the money will be paid into your account within 24 - 48hrs of approval. The outcome of an application can be immediate or could take up to 48hrs depending on verification requirements.
Q: Who is RCS? Who are you associated with?
A: The RCS Group is an independent, financial services company that operates in South Africa, Namibia and Botswana. We offer private label cards, retail cards, personal loans and insurance. The major shareholders in The RCS Group are The Foschini Group (55%)and Standard Bank (45%).
Q: What loan amounts and terms do you offer?
A: We offer loan amounts from R1000 – R100,000 over flexible terms of 12,18,24,36,48 and 60 months
Q: Do you do debt consolidation?
A: No, we only offer personal loans. Once a loan application is approved, we transfer the funds to the customer’s personal bank account and the customer can then consolidate his own debt.
Q: I want to change my debit order date / details
A: Simply provide the Loans Contact Centre with a copy of the latest payslip and relevant bank account details or new deduction date.
Q: I want to cancel my debit order
A: It is a mandatory requirement that loans are paid via debit order and therefore debit orders may not be cancelled unless settled.
Q: I want to change my repayment term / instalment amount
A: A motivational letter plus 3 month’s bank statements must be submitted to the Loans Contact Centre for review.
Q: I want to make an additional or manual payment over and above my debit order deduction
A: This can only be done via Internet banking or direct deposit into the following account - Bank: ABSA Bank Branch No: 632005 Account Number: 4050999132 Reference: Loan Account Number
Q: What is my outstanding balance? How many payments do I need to make before it’s settled?
A: The Loans Contact Center can provide this information. Please have your ID and loan account number handy when calling
Q: I want to settle my outstanding loan balance
A: The Loans Contact Center can provide this information. Please have your ID and loan account number handy when calling.
Q: I can’t afford to pay my current instalment
A: Payment arrangements can be made via the Loans Contact Centre.
Q: Can I increase my loan amount as I’d like more money?
A: Electronic statements are not available at this time. A statement can be emailed to the customer on request via the Loans Contact Centre. Please have your ID and loan account number handy when calling.
Q: I am not receiving statements
A: Please confirm postal address details via the Loans Contact Centre. Please have your ID and loan account number handy when calling.
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©2011 - RCS Group. RCS is a registered credit and financial services provider. NCRCP 38&39/FSP 38911