Reviewed and updated: 12 October 2026 · MBC Finance
Complete and accurate information helps a lender assess an application. It does not guarantee approval or bypass affordability and credit checks.
Gather the current documents
For MBC, have your SA ID and up-to-date bank statements covering the last 3 months ready. Employed applicants also need their latest payslip. Pensioners do not need a payslip, but pension income must be verifiable. Further information may be requested.
Disclose your financial commitments
Include essential living expenses, existing loans and other repayments. An application based on missing or inaccurate information can delay assessment and does not reflect your actual ability to repay.
Use the app rather than old forms
New and repeat applications are handled in Pay As You Go. Upload documents using the secure page in the app or supplied by MBC Support. If you already applied, continue the application rather than making duplicates.
Review the quotation
If approved, read the costs and schedule before signing. Terms may be up to 6 months depending on the product and assessment. Payout follows the required documents, signing and DebiCheck approval; there is no guaranteed 24-hour turnaround.