Rating based on 32 reviews

Capitec Personal Loan

  • Personal loans up to R250,000
  • Low-interest starting from 12.9%
  • Repayment up to 84 months

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Author Capitec. Screenshot of Capitec website.
[Accessed January 30, 2023]

Capitec Bank - Tailor-made personal loans

Sometimes opportunities arise and money becomes the only thing preventing you from taking advantage. A personal loan from Capitec has the potential to get you back in the game.

Oftentimes people are faced with life-changing opportunities and often don’t have the financing available to make things happen. This is no problem when Capitec has an option that's hard to access elsewhere.

Capitec knows that when people have a trusted source that can help with financing, dreams can become a reality.

Capitec strives to simplify your finances

Many things have changed in financial institutions in the past few years.

These changes have been both beneficial and complicated. Capitec has stayed true to its motto of making life easier than ever.

Giving their clients a service that's safe, innovative, and easy as pie, is what they strive for. They've done everything possible to ensure that getting a loan from them makes your life less complicated.

Making life affordable for everyone

Many mainstream banks seem to offer great personal loans until you realise how much you'll be paying for them. Fine print and financial lingo that the average person won’t understand are often used. Unfortunately, many people fall into the trap of taking on debt they can't afford because they feel desperate at the moment. 

Being open, honest, and 100% transparent is highly prized at Capitec. With a personal loan from them, you'll be in the loop at all times. 

Quick and easy personal loans

At Capitec, their pride is giving you outstanding services and they've established a bank that has the customer's best interest at heart.

With the best service in the industry, they've made banking more convenient than ever. Their growing customer base is a testament to that.

Capitec has a vast variety of services on offer. Anything from home loans to personal loans, everyday banking and even life cover. 

Capitec makes getting a loan a breeze 

When it comes to making life more than manageable, Capitec should be your bank of choice. Their innovative and up-to-date technology makes applying for your loan a walk in the park. By going on to their website you can get an estimate before you even apply.

Capitec has personal loans of up to R250 000 on offer. You can apply or get an estimate either by going online or by using the Capitec app if you're already a client.

A personal loan for any occasion

Whether you're looking to do some long overdue home improvements or need a new vehicle, Capitec can help you achieve those goals.

A loan from Capitec can be used for things that require a lump sum of money when you don’t have it. You'll then be able to do what you need and repay them in monthly instalments.

You can manage your money better and still do the much-needed renovations or even buy that car you've wanted for so long.

Capitec – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 12.9%
  • Loan Amount up to R250,000
  • Repayment 30 days to 84 months

Benefits of Capitec

  • Convenient online loan applications
  • Get the best deals on loans and interest

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Capitec - Better banking, better loans

You can apply online, through their user-friendly app, or at your nearest branch. Their friendly and able staff will assist you every step of the way.

Here is what you will need before you apply:

  • You'll be required to have a valid identification document.
  • The last three months’ salary slips.
  • You'll also need the last three months' bank statements showing that your salary gets paid into your bank account.

Here are the easy steps to apply for your personal loan

Go online to the Capitec website. Click on the button that says get an estimate.

You'll be asked what amount you want to borrow. Choose your loan amount and click next. You can then choose your preferred loan term.

You'll then be given an estimate based on the loan amount and term you chose. If the estimate falls within your budget you can click on the button that says 'I’m interested'.

Sit back and relax.

A Capitec consultant will be in contact with you within 24 – 48 hours to complete your application. You'll then have to send all the relevant documentation upon request so make sure you have everything on hand.

Capitec is your trusted loan partner

When there's a need for a large amount of money, it’s good to know that there's a financial institution that is on your side. Capitec prides itself in giving its customers only the best offers and services.

Make the smart choice today and choose Capitec to achieve the success you deserve.

The benefits of a personal loan from Capitec

  • You can get a loan of up to R250 000.
  • You get to choose the terms of your loan. Capitec offers you fixed monthly repayments.
  • You can manage your loan from the Capitec app.
  • Loans are paid out quickly after approval.
man holding thumbs up

Capitec is a trusted & reliable provider of personal loans

In our review, Capitec adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ Capitec is a registered credit provider in South Africa: NCRCP13

Customer Reviews & Testimonials

December 2018

When I applied for my Capitec loan, I thought I would get my loan in a few days. To my surprise, I got the money within a few minutes after approval.

Candice K
— Cape Town —

August 2018

Applying for a loan on the Capitec website was fast, easy and convenient. I didn’t encounter any difficulties.

Moleboheng M
— Sebokeng —

April 2019

The interest rates that I am paying at Capitec for my loan still afford me the opportunity to do the things I enjoy the most.

Yolanda D
— Northern Cape —

June 2021

We have wanted to do some home improvements for a while now. After we saw an online ad about Capitec we decided to take the chance. We could not have made a better choice.

Moloi Z
— East London —

August 2021

Getting a personal loan from Capitec was the easiest and most convenient loan I have ever taken. I would recommend them to everyone I know. They are so friendly and helpful.

Van Staaden E
— Cape Town —

August 2021

When my mother told me about the great personal loans that Capitec has to offer, I had to see for myself. I went online and I was amazed to see what they had on offer.

Abrahams C
— George —

Capitec Contact

Physical Address

  • 212, Zevenwacht Mall, Polkadraai Rd & Van Riebeeck Road Kuils River Cape Town 7579 South Africa
  • Get Directions

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday 08:00 – 14:00
  • Sunday 09:00 – 13:00