Reviewed and updated: 12 October 2026 · MBC Finance
Responsible borrowing includes checking the lender, understanding the agreement and being honest about what you can repay. An online process does not remove these checks.
Verify the provider
Use the National Credit Regulator’s official channels to check the business name and registration. MBC Finance CC is registered as NCRCP506. Our official websites are mbcfin.co.za and payasyougo.shop; verify other claimed representatives before sharing information.
Read before you sign
Review the quotation and agreement, including all costs, repayment dates and obligations. Never sign blank documents. Keep copies and ask for explanations of anything unclear. Do not assume a universal three-day cancellation right; ask about the rights and process applicable to your agreement.
Protect your information
Do not give anyone your banking PIN, online banking password or original identity document to hold as security. For MBC, upload copies of documents securely in the app, rather than on WhatsApp.
Borrow within your means
Include expenses and current debts in your budget. If repayment becomes difficult, contact the creditor early and consider appropriate guidance. Do not repeatedly borrow from one lender to pay another. All MBC applications require affordability assessment, credit checks and approval.