What is Mobicred?

Say hello to digital credit in as little as 15 minutes*. Mobicred digital credit offers customer up to R50 000 to shop at Crossover online. Simply pay back the outstanding balance via convenient and affordable minimum instalments of just 7.5% p/m*.

Why use Mobicred

Seamless and easy purchase process.

Many stores. One account. One monthly repayment.

Application to purchase in under 15 minutes*.

How to Shop Online

Add to Cart

Add your branded items to your cart


Select Mobicred as your payment method

Username and Password

Enter your Mobicred Username and Password


Receive and enter the Mobicred OTP

Purchase Confirmation

Payment is complete and your Crossover order will be on its way

How to Apply

Apply in App or Online

Download the Mobicred App and complete the one-page application form and get an instant response.

Accept Terms

Accept our Terms and Conditions and get your credit limit.

Complete your Application

Using automated Income Verification and Facial recognition technology.

Go Shopping

Thought there was more? Nope.
Use Mobicred to pay online or in-store.

Terms and conditions
Ts & Cs apply. Mobicred is powered by RCS Cards, a registered Credit Provider (NCRCP 38) and Authorized FSP (44481). The displayed monthly payment amount is indicative monthly pricing for 12 months at the current interest rate applicable, including a monthly fee but excludes a once-off account initiation fee. Please note the annual interest rate is subject to change.