Reviewed and updated: 12 October 2026 · MBC Finance
Online access makes submitting an application more convenient. It does not make approval automatic or remove the checks needed before a credit agreement can be offered.
Use the official application channel
MBC’s official websites are mbcfin.co.za and payasyougo.shop. Start in the Pay As You Go app. If another website claims to represent MBC, contact us using the details on our official site before sharing documents.
Prepare complete information
Provide accurate income, expenses and existing debt information. Have your SA ID and up-to-date bank statements covering the last 3 months ready. Employed applicants also need their latest payslip; pension income must be verifiable.
Understand the assessment
We assess affordability and credit. Basic eligibility does not guarantee a loan. If approved, review the full costs, repayment dates and total repayment before signing. Approved terms may be up to 6 months depending on the product.
Follow the application in the app
Use Secure MBC Support for updates and requested documents. Payout follows document checks, signing and DebiCheck approval. Timing depends on completion of the steps; instant and same-day payment are not guaranteed.