Online Credit Application | Mobicred

Want it now?  Buy it with Mobicred! A simple, safe credit facility
that allows you to shop online and pay it off in monthly instalments.

What the minimum and maximum amount credit I can apply for?

You can apply for a minimum credit of R4,000 and a maximum credit of R20,000 depending on your affordability.

How do I apply for a mobicred account?

You can apply directly via the mobicred website or via participating mobicred online retailers.

What do I need to ensure when applying for a mobicred account?

You need to have a valid South African ID number, be at least 18 years of age, earn a minimum monthly salary of R5500, have an existing valid bank account, a valid email address and a RICA’d mobile number. You will need to submit 3 months most recent bank statements or payslips.

Can my application be declined?

Yes, approval of your application is subject to mobicred’s credit risk & affordability criteria, and in accordance with the National Credit Act responsible lending principles. If, for whatever reason, your application is declined, mobicred will inform you as to the main reasons for being declined.

How do I buy with mobicred?

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

What is the interest rate charged on my purchases?

The interest rate charged is 20.75% per annum & in accordance with the interest rate permissible by the National Credit Act.

Will interest rate fluctuations affect my repayments/current interest rate?

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.

What is an initiation fee?

This is a fee for the opening & initiation of your agreement & mobicred account.

What is a monthly service fee?

This is a monthly charge for the monthly administration & maintenance of your mobicred account, including statements and all ad-hoc correspondence.

What is a late payment fee?

This is a fee that is charged to accounts which are one or more payments in arrears.

What is a debit order rejection fee?

This is a fee charged for debit orders that have been returned unsuccessful by your bank due to, for example, insufficient funds.

How do I pay my account?

Monthly instalments, as reflected in the mobicred statement, will be deducted via Debit Order.

How often will I receive my statement?

You statement will be send to you monthly via email.

What do I do if I'm not receiving my statements?

Please contact mobicred via email at or on 08600MCRED(62733) to assist you with receiving your statements.

What do I do if my debit order details have changed?

You may change your banking details on the mobicred web site yourself, or contact mobicred via email at or on 08600MCRED(62733) to assist you.

What do I do if my personal and contact information has changed?

You may change your personal & contact details on the mobicred web site yourself, or contact mobicred via email at or on 08600MCRED(62733) to assist you.

  1. Complete the online application form
  2. Your application will be processed instantly
  3. You can begin your online shopping experience
  1. A valid South African ID Number
  2. 18 years or older
  3. Earn a minimum monthly salary of R5500
  4. An existing & valid bank account in your name
  5. A current & valid email address & mobile number
Do NOT follow this link or you will be banned from the site!

NOTE: In light of the COVID-19 lockdown, our shop will be closed for the required 21 days until 16 April 2020. We still welcome orders online. However, we will not be able to process & deliver it until we open again. If you have any enqueries, please email us at or call or Whatsapp us on 072 987 2512. Stay safe & stay healthy! The Creative Notions Team Dismiss