Scores reflect the Overall AI Score for each category
Based on recent customer reviews, Mobicred presents a sharply divided experience. Frontline consultants earn consistent, often glowing praise for patience and fast fixes under Customer Service & Professional Guidance (4.2). Behind that, customers repeatedly describe breakdowns in Billing, Payments & Financial Accuracy (1.5), Communication & Responsiveness (1.6) and Trust, Transparency & Compliance (1.1), particularly around settlements, paid-up letters and credit bureau updates.
Top Strengths:
- •Customer Service & Professional Guidance: Named agents dominate the praise, with Mumina mentioned again and again alongside Naseerah, Amber, Shirley, Ameerah, Nicole and Sisanda. Customers describe patient, step by step guidance, quick call answering and consultants who stay on the line until the issue is confirmed resolved.
Replied to 92% of negative reviews
Reply time on negative reviews: 47h 50m
TrustIndex
6.9
Ranking
#7
in Payments & Fintech
Reply Time
38h 45m
NPS Score
-12
Recommended: Unlikely
Replied to 92% of negative reviews
Reply time on negative reviews: 47h 50m
Nov '25 - Oct '26
Frequently Asked Questions About Mobicred
What do customers say about Mobicred?
Based on recent customer reviews, Mobicred presents a sharply divided experience. Frontline consultants earn consistent, often glowing praise for patience and fast fixes under Customer Service & Professional Guidance (4.2). Behind that, customers repeatedly describe breakdowns in Billing, Payments & Financial Accuracy (1.5), Communication & Responsiveness (1.6) and Trust, Transparency & Compliance (1.1), particularly around settlements, paid-up letters and credit bureau updates.
What is Mobicred's biggest strength?
Mobicred's biggest strength, according to Hellopeter's AI analysis, is Customer Service & Professional Guidance. Named agents dominate the praise, with Mumina mentioned again and again alongside Naseerah, Amber, Shirley, Ameerah, Nicole and Sisanda. Customers describe patient, step by step guidance, quick call answering and consultants who stay on the line until the issue is confirmed resolved.
What are the most common complaints about Mobicred?
The most common complaint about Mobicred, based on Hellopeter's AI analysis of recent customer reviews, is Communication & Responsiveness. A recurring theme is unanswered email, with only automated acknowledgements returned. Customers describe queries closed as resolved without resolution, escalations that go nowhere, calls dropping at position one in the queue and having to chase every update themselves.
How does Mobicred compare to other Payments & Fintech companies?
Mobicred scores 2.1 out of 5 on Hellopeter's AI analysis of service quality in Payments & Fintech, compared to the Payments & Fintech industry average of 2.6. Their strongest theme is Customer Support (4.1); their weakest is Fees & Billing (0.7). The top AI-rated Payments & Fintech business on Hellopeter is mama money (4.1). How is the AI Score calculated? →
Is Mobicred trustworthy?
Mobicred has a TrustIndex of 6.9 out of 10 on Hellopeter, based on 470 reviews in the last 12 months. They reply to 92% of negative reviews, typically within 47 hours 50 min. Hellopeter has tracked Mobicred across 4,139 total reviews. How is the TrustIndex calculated? →
Recent reviews (470)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your Experience1 reviews | Active since Aug 2026
Unprofessional company
I am extremely disappointed with Mobicred's service. I applied for credit to purchase a phone worth approximately R17,000, but Mobicred approved R50,000, with a proposed monthly debit of approximately R3,800 over 12 months. I requested that my credit limit be reduced to match my actual purchase, and it has now been TWO WEEKS with no resolution! I've sent countless emails, followed up repeatedly, and their telephone lines are not working. Yet they have no problem sending me marketing emails every morning. Is this how Mobicred treats its customers? Why is it so difficult to adjust a credit limit to the amount a customer actually intends to spend? If you cannot assist me, cancel the application, remove my details from your marketing database and stop sending me daily emails. Absolutely unacceptable customer service.
1 reviews | Active since Aug 2026
Unprofessional company
I am extremely disappointed with Mobicred's service. I applied for credit to purchase a phone worth approximately R17,000, but Mobicred approved R50,000, with a proposed monthly debit of approximately R3,800 over 12 months. I requested that my credit limit be reduced to match my actual purchase, and it has now been TWO WEEKS with no resolution! I've sent countless emails, followed up repeatedly, and their telephone lines are not working. Yet they have no problem sending me marketing emails every morning. Is this how Mobicred treats its customers? Why is it so difficult to adjust a credit limit to the amount a customer actually intends to spend? If you cannot assist me, cancel the application, remove my details from your marketing database and stop sending me daily emails. Absolutely unacceptable customer service.
1 reviews | Active since Apr 2021
5 Star Rating to Jaydene
I would like to give Jaydene a five star rating.I lost my phone, and i wanted to change my number so that I can place an order. I have been struggling since last week Friday, the system was down. I then called monday Tuesday nothing was done. I called again this morning wanting to speak to manager, as I have been strugggling to update my number, no answer from the Manager. I called again and Jaydene picked up the phone. I give her five star rating, because she picked up that my number was incorrectly captured and she ensured that my query is attended too immediately. I managed to place the Order. I was honestly starting to give up.Thank you so much Jayden, you did an awesome Job.
1 reviews | Active since Apr 2021
5 Star Rating to Jaydene
I would like to give Jaydene a five star rating.I lost my phone, and i wanted to change my number so that I can place an order. I have been struggling since last week Friday, the system was down. I then called monday Tuesday nothing was done. I called again this morning wanting to speak to manager, as I have been strugggling to update my number, no answer from the Manager. I called again and Jaydene picked up the phone. I give her five star rating, because she picked up that my number was incorrectly captured and she ensured that my query is attended too immediately. I managed to place the Order. I was honestly starting to give up.Thank you so much Jayden, you did an awesome Job.
1 reviews | Active since Dec 2012
Designed in a way to ensure you pay for years to come.
I have been paying an unused account for other a year, and with their way of working will pay it another two years. Their business model is made to ensure you pay them with no end in sight unless you start paying extra. At this stage my payment is R400 a month, half of that they take for interest/service fees. Very ********* practices.
1 reviews | Active since Dec 2012
Designed in a way to ensure you pay for years to come.
I have been paying an unused account for other a year, and with their way of working will pay it another two years. Their business model is made to ensure you pay them with no end in sight unless you start paying extra. At this stage my payment is R400 a month, half of that they take for interest/service fees. Very ********* practices.
1 reviews | Active since Sept 2022
I got assisted by Momina, and for the first time in a long time i was assisted by someone energet...
I got assisted by Momina, and for the first time in a long time i was assisted by someone energetic, patient and attentive. Thank you for the great service
1 reviews | Active since Sept 2022
I got assisted by Momina, and for the first time in a long time i was assisted by someone energet...
I got assisted by Momina, and for the first time in a long time i was assisted by someone energetic, patient and attentive. Thank you for the great service
1 reviews | Active since Dec 2013
Mobicred makes it impossible to cancel my account
I have been trying to cancel my Mobicred account but have been unable to get the matter resolved. According to Mobicred's terms and conditions, I am required to contact them by telephone to cancel. However, the telephone number provided does not accept calls. The only practical way I have been able to contact Mobicred is through the messaging facility in their online portal or email. I have already submitted a cancellation request through the portal, but the matter remains unresolved. Despite my previous request, Mobicred has not called me to assist with the cancellation. I am now in the position where I am trying to terminate a service, but the cancellation process prescribed by Mobicred is inaccessible to me. I have made a clear effort to contact them and communicate my intention to cancel, yet I cannot get the process completed. Mobicred's own terms and conditions, under clause 12, state that a customer may terminate the agreement by contacting them and informing them of this intention. I have done exactly that in writing through their portal. I want Mobicred to: Accept my written cancellation request and process it without requiring an inaccessible telephone call. Confirm in writing what, if anything, remains outstanding and provide the settlement amount if applicable. Confirm the steps and timeframe for closing my account. Explain why customers are expected to use a telephone cancellation process when the published number does not accept calls and written requests through the portal have not resolved the issue. I am posting this complaint on HelloPeter because I have been unable to resolve the matter through Mobicred's available contact channels. I expect a clear response and a practical resolution, rather than another instruction to call a number that does not accept calls.
1 reviews | Active since Dec 2013
Mobicred makes it impossible to cancel my account
I have been trying to cancel my Mobicred account but have been unable to get the matter resolved. According to Mobicred's terms and conditions, I am required to contact them by telephone to cancel. However, the telephone number provided does not accept calls. The only practical way I have been able to contact Mobicred is through the messaging facility in their online portal or email. I have already submitted a cancellation request through the portal, but the matter remains unresolved. Despite my previous request, Mobicred has not called me to assist with the cancellation. I am now in the position where I am trying to terminate a service, but the cancellation process prescribed by Mobicred is inaccessible to me. I have made a clear effort to contact them and communicate my intention to cancel, yet I cannot get the process completed. Mobicred's own terms and conditions, under clause 12, state that a customer may terminate the agreement by contacting them and informing them of this intention. I have done exactly that in writing through their portal. I want Mobicred to: Accept my written cancellation request and process it without requiring an inaccessible telephone call. Confirm in writing what, if anything, remains outstanding and provide the settlement amount if applicable. Confirm the steps and timeframe for closing my account. Explain why customers are expected to use a telephone cancellation process when the published number does not accept calls and written requests through the portal have not resolved the issue. I am posting this complaint on HelloPeter because I have been unable to resolve the matter through Mobicred's available contact channels. I expect a clear response and a practical resolution, rather than another instruction to call a number that does not accept calls.
1 reviews | Active since Jul 2020
Bad experience when wanting to settle your ***
I requested a settlement letter for the past 2 days and I am unable to reach their landline , it does not even ring , then did not even respond apart from. A automated response
1 reviews | Active since Jul 2020
Bad experience when wanting to settle your ***
I requested a settlement letter for the past 2 days and I am unable to reach their landline , it does not even ring , then did not even respond apart from. A automated response