capitec loan

With Capitec Bank, you can choose the terms that suit you and get a personalised credit plan of up to R250 000 in cash over one to 84 months. Dependent on your affordability and credit profile, the money will be available in your account immediately after approval. You have fixed monthly repayments, as well as free retrenchment and death cover.

Benefits

Whether you need to do home improvements, pay for your children's education to secure their future or buy a reliable car to get your family there safely – living better starts when you get credit for the right reasons. 
A personalised loan means that you get the best offer based on your profile and your need, with lower fees and at the best possible interest rate. Remember that the term will affect your instalments, so be sure that you'll be able to repay the monthly instalments over the whole term. 
• Get up to R250 000 over 1 – 84 months
• Choose between the amount you want, the monthly instalment that suits your pocket, or the option that gives you the lowest interest rate
• Credit is approved in minutes and the money is available immediately
• Pay fixed monthly repayments
• Get interest rates from 12.9%
• Consolidate all your existing loans for easier monthly repayments
• Add affordable credit insurance, including retrenchment and death cover
• Manage your credit using our app

Apply for capitec loans

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Ways to apply

• Online
• On our app
• Visit your nearest branch
• Call us on 0860 66 77 89

Your offer is based on your affordability and credit profile

• Your banking and credit history
• Your income and expenses to see how much you can afford
• How stable your source of income is, to make the best offer 
• You choose the credit amount that you want
• You choose the monthly instalment that suits your cash flow or the option that gives you the best interest rate