The ONLY legitimate ways to contact RCS are:

• Website: www.rcs.co.za
• Phone: 0861 SAY RCS (0861 729 727)
• Website live chat (on their official website only)

1. The “Blacklisted Welcome” Scam

Scammers say they will lend to people who are blacklisted or under debt review. They offer huge amounts like R400,000 at only 5% interest.

The truth: No legitimate lender gives large loans to blacklisted people. This is impossible.

2. The “Admin Fee” Scam

They approve your loan immediately on WhatsApp. Then they ask you to pay R200 to R500 for “administration” or “document verification” first.

The truth: Real lenders NEVER ask for money before giving you the loan. This is illegal.

3. The “Urgent Pressure” Scam

They say your loan approval expires today. You must send money immediately or you will lose the offer.

The truth: Real lenders give you time to read documents and think. Pressure means scam.

4. The “Friend Recommendation” Scam

You see Facebook or WhatsApp posts from “friends” saying they got a loan from RCS. These accounts are hacked or fake.

The truth: Real companies don’t advertise through personal WhatsApp messages.

Step 1: Check If You Qualify

Go to the RCS website at www.rcs.co.za. Click “See If You Qualify” or “Apply Now”.

Answer simple questions about your income and expenses. You will get an answer in seconds.

Step 2: Complete the Full Application

If you are provisionally approved, you complete a detailed application form online.

Upload your documents through their secure website. This includes your ID and proof of income.

Step 3: Credit Assessment

RCS will do a credit check through registered credit bureaus. They check if you can afford the loan. This is the law under the National Credit Act.

Step 4: Get Your Money

If approved, your loan is paid into your bank account within 24 hours. No upfront fees. No WhatsApp messages.

You do NOT pay anything before receiving your loan money.

💡 Pro Tip: Prepare all documents before you start. This makes the process faster.

If Lerato borrows R10,000 for 24 months:

• Loan amount: R10,000
• Interest rate: 28% per year
• Once-off initiation fee: R1,207 (deducted from loan)
• Monthly service fee: R69
• Monthly payment: R713.18
• Total amount to pay back: R17,116.24

Important: This means Lerato pays back R7,116 more than she borrowed. Make sure you can afford this before applying.

Red Flags – Never Trust These:

• ❌ Contact via WhatsApp, Telegram, or private social media
• ❌ Promises to lend to blacklisted people
• ❌ “Guaranteed approval” without checking your finances
• ❌ Requests for money before you get the loan
• ❌ Pressure to decide immediately
• ❌ Poor spelling and grammar in messages
• ❌ Interest rates below 10% (too good to be true)
• ❌ Using personal email addresses (like Gmail, Yahoo)
• ❌ No physical address or NCR registration number

Safety Steps to Follow:

1. Check NCR Registration: All legal lenders must be registered. Check at www.ncr.org.za or call 0860 627 627
2. Use Official Channels Only: Only apply through official websites or verified phone numbers
3. Never Pay Upfront: Real lenders take fees from the loan amount, not before
4. Read Everything: Read all documents before signing. Ask questions if confused
5. Keep Records: Save all emails, messages, and documents
6. Trust Your Instincts: If it feels wrong, it probably is

⚠️ Remember: If a lender contacts you first (without you applying), it is almost always a scam.

Step 1: Contact Your Bank (Do This First!)

Call your bank’s fraud hotline immediately. Tell them you sent money to a scammer. If you act fast, they might reverse the payment.

Step 2: Report to Police

Open a case at your nearest police station (SAPS). Bring:

• Screenshots of all messages
• Bank statements showing the payment
• Any documents the scammer sent you
• The scammer’s phone number and bank details

Step 3: Report to Authorities

Step 4: Protect Your Identity

The scammer has your personal information. Protect yourself:

• Register for Protective Registration at SAFPS (free service)
• Check your credit reports (one free report per year from each bureau)
• Change your banking passwords and PINs
• Monitor your bank statements closely for unusual activity

Important: Don’t be embarrassed. Many people fall for scams. Reporting helps protect others.

💡 Pro Tip: Always check a lender’s NCR registration before applying. Visit www.ncr.org.za and search for the company name.

✅ Right to Affordability Assessment

Lenders MUST check if you can afford the loan. Lending without checking is illegal.

✅ Right to Clear Information

All fees, interest rates, and terms must be explained in simple language you understand.

✅ Right to Know Why You Were Declined

If your application is rejected, the lender must tell you why.

✅ Right to Debt Counselling

If you cannot pay your debts, you can apply for debt review to restructure your payments.

✅ Right to Complain

You can report unfair treatment to the National Credit Regulator or Banking Ombudsman.

Does RCS really not have WhatsApp?

Yes, confirmed. RCS Group has officially stated they do not have a WhatsApp number. Any WhatsApp contact claiming to be RCS is a scam.

Can I get an RCS loan if I’m blacklisted?

No. RCS must check your credit score by law. They cannot give loans to severely blacklisted people. Anyone promising this is lying.

How long does RCS take to approve a loan?

The initial pre-qualification takes seconds. Full approval and payment take up to 24 hours after you submit all documents.

Do I need to pay anything before receiving my loan?

No. Never. The initiation fee is taken from your loan amount. You do not pay anything before receiving the loan money.

What if I cannot afford the monthly payment?

Contact RCS immediately at 0861 729 727. Do not ignore the problem. You may be able to restructure your debt through a debt counsellor.