MBC Finance · Pay As You Go

Your next step.
All in one app.

Apply for a personal loan, upload documents securely and stay connected with MBC Support.

Repayment terms of up to 6 months, subject to affordability assessment, credit checks and approval.

Install the Free App Open Client App

A web app you can add to your phone’s home screen. You can also use it in your browser.

Your MBC client app

Pay As You Go

Borrow as you pay.

01 Answer eligibility questions

02 Upload documents securely

03 Stay in touch with MBC Support

Open the App →

Illustration of the application steps.

Beware of misleading third-party listings

Our official websites are mbcfin.co.za and payasyougo.shop. Always check the exact website address before sharing personal information, uploading documents or making a payment.

Third-party websites including LoansPlus (loansplus.co.za), MoneyLoans (moneyloans.co.za), Finanso (finanso.co.za), BestLoans (bestloans.co.za) and LoansFind (loansfind.co.za) publish listings or reviews about MBC Finance that contain incorrect or outdated loan or contact details. LoansPlus and MoneyLoans also display screenshots of our old website. These pages are not operated by MBC Finance. Seeing our name or a picture of our website does not mean you are dealing directly with us. Do not assume an application submitted through a third-party form reaches MBC Finance.

Apply and upload documents through our official Pay As You Go app. For direct assistance, use Secure MBC Support, our secure chat inside the app. A third-party listing or application form is not our secure chat. If unsure, open our official website directly and ask us to verify the page before proceeding.

WhatsApp is available for general questions on 063 417 5016. Please upload your ID and bank documents securely in the app.

Third-party listings checked: 12 October 2026.

Read our factual corrections: MBC Finance on LoansPlus and other websites →

Secure MBC Support WhatsApp — General Questions

NCR registered · NCRCP506Secure document uploadsWeekly, fortnightly or monthly schedules*

A clear path forward

How Pay As You Go works

Start in the app. Our team assesses your application and explains the outcome.

Apply in the app

Answer a few questions and upload the required documents securely.

Review your quotation

If approved, review your loan amount, repayment schedule and full costs before you sign.

Complete the steps

Payout follows document checks, signing and DebiCheck approval. Our team keeps you informed.

*Available repayment frequency and term depend on the approved product and credit agreement.

Before you apply

Know what you need

Permanent employment for at least 6 months, or pension income.
Income paid into a South African bank account in your own name.
Sufficient income after expenses and existing debt repayments.
Your SA ID and up-to-date bank statements covering the last 3 months.
Your latest payslip if employed. Pensioners do not need a payslip; pension income must be verifiable.

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.

Clear costs

Plan your repayment

Use the app’s calculator for an indicative estimate. Your pre-agreement quotation confirms the interest, initiation and service fees, any applicable insurance and total repayment.

Terms may be up to 6 months, depending on the approved product and assessment. Every new or repeat application is assessed again.

Work Out My Repayment

An estimate is not an approval or a guaranteed loan offer.

Your birthday. Your loyalty reward.

Repay responsibly. Build loyalty.

Eligible repayments may build birthday cashback, reviewed during your birthday month. Keep your accounts up to date to qualify.

Loan clients are enrolled automatically at no charge and may opt out. Cashback remains pending until review and is subject to the programme terms. Qualifying payments from 1 September 2026.

Explore Birthday Rewards

A few useful answers

Do I apply on this website?

Applications are handled in the Pay As You Go app. Open the app to get started. Use the secure upload page provided by the app or MBC Support for documents.

How do I install the app?

Open our installation page. On Android, use your browser menu and select Install app or Add to Home screen. On iPhone, open the app in Safari, tap Share and select Add to Home Screen. You can also use the app in your browser without installing.

Can I borrow again as I repay?

You may apply again. Your MBC repayment history is considered, but there is no guaranteed credit limit. Every application is subject to affordability assessment, credit checks and approval.

Can I send my documents on WhatsApp?

Please upload your ID and bank documents securely in the app. Do not send these documents on WhatsApp.

Ready when you are

Get the Pay As You Go App

Applications can be submitted online. Staff assistance is available during office hours.