Apply for a Makro Cash Loan

Up to R300 000, in your bank account in as little as 15 minutes

Get the Cash You Need, Without the Wait

Apply online for a Makro Cash Loan of up to R300 000 and get the cash paid into your bank account in as little as 15 minutes from approval. Use the money your way, whether it's for home renovations, an emergency, education or your wedding. With flexible repayment options, you can choose a payment plan that suits your budget.

Features

Benefits of a Makro Cash Loan

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* Terms and Conditions apply. Subject to credit assessment and affordibility. Service and initiation fees apply. RCS is a registered credit and authorised Financial Services Provider. NCRCP 38/ FSP 4481.

Calculate Monthly Instalments

Makro Cash Loan Repayment Calculator

Use the Makro Cash Loan calculator to estimate your monthly repayments. Adjust the amount and repayment term to find a Makro Cash Loan option that works for you.

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10k

300k

months

12

18

24

36

48

60

Estimated Monthly Repayment

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* Terms and Conditions apply.

Your final loan amount and term will be confirmed once you complete the full application.

Apply for a Makro Loan

Representative Example

If Bongani borrows R10 000.00 and selects a repayment term of 24 months.

He will pay a once-off initiation fee of R1 207.00 and a monthly service fee of R69.00.

An illustrative example of a loan at an interest rate of 28% would be: Loan amount of R10 000 borrowed for 24 months. Annual Interest Rate: 28%. Initiation fee: R1207. Monthly service fee: R69 Total Amount payable: R17 116,24. Monthly instalment amount: R713,18.

Note: Our interest rate will never exceed the maximum as prescribed by the NCA of 28%. Fees are subject to change and will be affected by customer risk profile.

How to Apply for a Makro Cash Loan

Get Your Loan in a Few Easy Steps

See if you qualify

You can apply if you

  • Are 18 years and older
  • Have a South African ID or driver’s license
  • Have a South African bank account
  • Are employed
  • Can provide proof of income documentation

We’ll need the following documents from you

  • A South African ID or driver's License
  • Latest pay slip or bank statements

Our Application Process

  1. Start your application process here

    Answer a few simple questions and and you’ll get a response within seconds. If you are provisionally approved, you can move on to Step 2.

  2. Next, compete the full application

    Complete an easy application and submit your proof of income documents online.

  3. Access your cash loan

    Once approved, your loan will be deposited into your bank account in as little as 15 minutes.

Apply Now

Want To Know More?

What are the requirements to get a Makro cash loan?

You can apply for a Makro Cash Loan if you:

  • Are 18 years or older
  • Have a South African ID or driver’s license
  • Have a South African bank account
  • Are employed and earn R3 000 or more per month

You’ll need to provide the following documents:

  • A South African ID or driver’s license
  • Your latest payslip or bank statements

How do I apply for a Makro Cash Loan?

To qualify for a Makro Cash Loan, you’ll need to meet the affordability and credit requirements and provide the required supporting documents, such as proof of identity and income. 


If you are provisionally approved, complete the online Makro Cash Loan application and submit the documents. RCS will assess your application and affordability, and if approved, your cash loan will be deposited into your nominated bank account.

Is a Makro Cash Loan a personal loan?

Yes, a Makro Cash Loan is a personal loan which gives qualifying customers access to cash for planned or unexpected expenses. Subject to credit approval and an affordability assessment, you could be granted a loan of up to R300 000.

Is a Makro Cash Loan provided by RCS?

Yes, Makro Cash Loans are powered by RCS which manages the credit application, assessment and loan agreement. All loans are subject to their lending criteria and the terms and conditions which apply.

Loans - What is Customer Protection Insurance?

Customer Protection Insurance (CPI) will provide the following cover:

  • Death & Permanent Disability – covers the outstanding balance of your account;
  • Loss of Income & Temporary Disability – covers up to 12 months’ instalments

Cover is underwritten by Guardrisk Life Limited, an authorised financial services provider (FSP76) and a licensed life insurer.

Please see our Terms and Conditions for more information.

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