Reviewed and updated: 12 October 2026 · MBC Finance
Knowing the requirements before applying helps you prepare. The checks below describe MBC’s current policy and do not promise that an application will be approved.
Basic eligibility
You must be permanently employed for at least 6 months or receive a pension, with income paid into a South African bank account in your own name. Sufficient affordability after expenses and existing debt is required.
Documents
Prepare your SA ID and up-to-date bank statements covering the last 3 months. Employed applicants also need their latest payslip. Pensioners do not need a payslip; pension income must be verifiable. Further information may be requested.
Applications we cannot assist
Under current policy we cannot assist applicants under debt review or administration, unemployed or self-employed applicants, or applications based on child-support grants. Do not submit altered documents or omit debts and expenses.
From assessment to payout
Apply in Pay As You Go and upload documents securely. We assess affordability and credit. If approved, review the quotation before signing. Payout follows completion of required documents, signing and DebiCheck approval. Terms may be up to 6 months, depending on the product; timing is not guaranteed.