Pay As You Go: useful answers
Where do I apply?
Apply in the Pay As You Go client app. The old WordPress application forms are no longer used.
Install the Free AppOpen Client App
Who may apply?
Permanently employed applicants with at least 6 months of employment may apply. Income must be paid into a South African bank account in your own name. All applications are assessed for affordability and credit.
What documents do I need?
Your SA ID, latest payslip, up-to-date bank statements covering the last 3 months and proof of address. Further information may be requested.
How long are the repayment terms?
Qualifying new clients may be offered three months. Many clients start with 30 days; good repayment history can earn consideration for three months and later up to six months. Progression is never automatic. The approved product, term and repayment dates are confirmed in your quotation and credit agreement.
Is approval guaranteed?
No. New and repeat applications are subject to affordability assessment, credit checks and approval. We cannot assist applicants under debt review or administration, unemployed or self-employed applicants under our current policy, or applications based on child-support grants.
When is payout made?
Payout follows completion of the required documents, signing and DebiCheck approval. Ask MBC Support about your application status; payout timing is not guaranteed.
Where do I see the full cost?
If approved, you receive a quotation (pre-agreement statement) showing interest, fees, repayment dates and total repayment. Only if you accept it do we proceed to the credit agreement. Insurance is optional. View longer-term loan terms and the R1,000 example.
How do I contact MBC?
Staff assistance: Monday–Friday, 08:00–17:00. Closed on public holidays. Office: 031 902 9225. Email: online@mbcfin.co.za.
Secure MBC SupportWhatsApp — General Questions
How do birthday rewards work?
Eligible repayments may build birthday cashback, subject to review and programme terms. Read the rewards terms.
MBC Finance CC · NCRCP506. Official websites: mbcfin.co.za and payasyougo.shop. Upload documents securely in the app.