Makro Cash Loans | Makro Online Site
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Makro Cash Loans


  • Loans: R1 000 – R250 000
  • Flexible repayment options (from 12 to 60 months)
  • Payment in bank account within 24 hours
  • Fixed monthly instalment
  • Paperless application process
  • Electronic statements (email and SMS)
  • Customer Protection Insurance for your peace of mind

For your protection, your loan includes Customer Protection Insurance*, underwritten by Guardrisk Life Limited*, covering the following:

  • Death Cover - Covers your full outstanding loan balance
  • Permanent Disability - Covers your full outstanding loan balance
  • Temporary Disability - Covers up to 12 months’ loan instalments
  • Loss of Income - Covers up to 12 months’ loan instalments

*Guardrisk Life Limited is an Authorised Financial Services Provider. Additional information on key limitations, exclusions, risks and charges related to the policy can be viewed here


How to apply 


What you need to apply

  • You must be 18 years or older
  • Have a valid South African bank account
  • Have a valid SA ID or Driver’s Licence
  • Be employed and earn R2000 or more per month
  • You will be required to provide proof of income documentation

How to apply
Click here to apply
Call 0861 888 009
SMS your ID number to 44513                    
(Standard SMS rates apply)


Contact Us
0861 888 009
T's & C's apply. RCS is a registered Credit and Authorised Financial Services Provider NCRP38/FSP44481



Frequently Asked Questions

What are Makro Cash Loans?

Borrow up to R250 000 in the form of a Makro Cash Loan. The decision is made in minutes and the money will be deposited into your account in 24 hours.

How much does a Makro Cash Loan cost?

Based on your risk profile a monthly service fee, initiation and competitive interest rates will be charged on your Makro Cash Loan.

How much will I qualify for?

Your loan amount will be determined by your own individual profile taking into account your affordability.

How do I check the amount I need to pay?

The amount will be shown on your latest statement. Please check your phone for the latest MMS statement.

How much do I need to pay each month?

Your monthly statement reflects the instalment that you need to pay by the 1st of the month.

How do I pay back my Makro Cash Loan?

Debit order: A payment is automatically debited from your bank account on the due date that you have selected.

Need help?


Our Credit Solutions are provided by RCS Cards Proprietary Limited (RCS).
For any assistance with your Makro Credit Solution call RCS Contact Centre 0861 888 009