Streamline Your Shopping Experience
Mobicred is South Africa’s premier digital credit facility that enables you to shop safely across thousands of online and in-store merchants with ease. By consolidating all your purchases into a single monthly payment, Mobicred gives you the financial flexibility you need—without the hassle of traditional credit cards.

How It Works

Simple and Fast Application

Apply online in just a few minutes using our easy one-page form.

Receive instant credit approval based on our secure, automated process.

Instant Credit Limit

Once approved, you are granted a revolving credit limit that you can use at any participating merchant.

Enjoy up to R50,000 (or more, subject to eligibility) digital credit without the need for a physical card.

Seamless Shopping

Shop at your favourite online stores and check out by choosing Mobicred as your payment option.

Authenticate each purchase with a secure one-time password (OTP) sent directly to your mobile device.

Flexible Repayment

Repay your purchases with one single, convenient monthly instalment.

Enjoy the freedom to pay off your balance at your own pace—without hidden fees or penalties for early settlements.

Secure, 100% Digital Experience

Manage your account online through our app or website.

Experience a safe and secure financial process protected by state-of-the-art technology and strict verification standards.

Ready to Start Shopping?

With Mobicred, you’ll never miss out on a once-in-a-lifetime deal because you can buy now and pay later. It’s the smarter, stress-free way to finance your shopping without ever having to worry about multiple payment dates or fluctuating credit limits.