Reviewed and updated: 12 October 2026 · MBC Finance
MBC’s online application channel is the Pay As You Go app. The steps are designed to keep information and support together while allowing the required assessment to take place.
Step 1: Answer the questions
Open the app and provide accurate eligibility information. Permanent employment for at least 6 months or pension income is required under current policy, along with income paid into a South African bank account in your own name.
Step 2: Upload documents securely
Have your SA ID and up-to-date bank statements for the last 3 months ready. Employed applicants also need their latest payslip. Pension income must be verifiable. Use only the app’s secure upload page or the link supplied by MBC Support.
Step 3: Assessment and quotation
MBC assesses affordability and credit and communicates the outcome. If approved, review the quotation’s amount, interest, fees, any applicable insurance, schedule and total repayment before signing.
Step 4: Complete the payout requirements
Payout follows completion of the required documents, signing and DebiCheck approval. Approved terms may be up to 6 months depending on the product. An application is not a promise of approval or same-day payment. If already applied, continue in the app rather than submitting duplicates.