What is Mobicred and how does it work?

Mobicred is a revolving digital credit facility that lets you shop online and in-store at participating South African retailers. You apply online, get approved for a credit limit up to R50,000, select Mobicred at checkout, confirm with an OTP, and repay via monthly debit order of at least 7.5% of your balance.

What countries does Mobicred operate in?

Mobicred operates in South Africa.

How do I sign up for Mobicred?

You sign up by completing the online application on the Mobicred website with your SA ID, cell phone number, email, and bank details. Upload required documents if needed, accept terms, and receive instant approval or processing within minutes.

Does Mobicred have a mobile app?

Yes, Mobicred is available on iOS and Android. You can download Mobicred on the App Store for iPhone, or get it on Google Play for Android.

Who is Mobicred best suited for?

Mobicred is best suited for South African shoppers aged 18+ who want digital credit for online and in-store purchases without a traditional credit card.

How do I contact Mobicred support?

Contact Mobicred support via message or call through the app or website.

Mobicred

🇿🇦 South Africa

A digital credit facility for South African shoppers that provides a revolving credit limit and one monthly payment for purchases at participating online retailers.

Use it on:Web Android· 4.3 iOS· 4.2API

Is Mobicred right for you?

Best for

South African shoppers
Online store checkout
Monthly budget planners
Repeat online buyers
Revolving credit users

What it does well

Buy now pay monthly
Revolving credit limit
One monthly repayment
Retailer network spending
Online retailer payments

Things to check

Eligible stores list
Credit limit size
Monthly fee structure
Repayment due date
Approval requirements

Mobicred is a digital credit facility for South African consumers who want a single account to shop at participating online retailers and pay in one monthly installment.

Key capabilities include:

Revolving credit limit that restores available credit (“open to buy”) as repayments are made
One monthly payment that covers spending across multiple participating stores
Online application with instant response, followed by accepting terms and submitting documents to complete the process
Checkout availability at participating retailers, including Temu, Takealot, and iStore, plus store and category discovery via the online store directory

Available on Web, Android, and iOS (mobile app), with merchant and developer resources via the site.

Target users include individual shoppers in South Africa seeking flexible credit for online shopping, as well as merchants and developers that want to offer the facility at checkout.

Notable in the South African market context, Mobicred (Pty) Ltd operates as a registered Credit Provider (NCRCP 10896) and partners with RCS (a registered credit and authorized financial services provider).

As of Jun 22, 2026, Mobicred is rated 4.2 on the App Store from 928 reviews and 4.3 on Google Play from 1.4K reviews with 100K+ installs.

Phone:+27 21 126 0700

Social Links:

Categories:

Fintech

Features & Business Model:

b2c bnpl lending