Capitec Loans

Capitec Loans are personalised credit offered based on your individual credit profile. Personal loan is offered within flexible terms over 84 months. Interest rate from 12%.

Capitec Bank offers personalized credit in a form of personal loans at the best possible interest rate. Capitec loans give you access to cash up to R250 000 over flexible repayment terms.

Maybe you wanted to buy a car, improve your homestead, pay for education fees and so on. You can accomplish that with Capitec’s low-interest personal loans.

It gets better:

Capitec Bank was named the top bank in South Africa, earlier this year (2018). They have over 22.5 million clients.


The bank works with an average of working-class people, students, and businesses. They offer affordable banking solutions. One of their most popular used product is the savings account.

We’ve learned that many businesses now encourage employees to open Capitec accounts to save more.

Benefits of Capitec Loans

Capitec offers you various benefits when you take out a personal loan with them.

You will get a personalized credit up to R250 000 over a flexible repayment term of 84 months. The loan is provided based on your credit profile and financial needs.

Capitec loans are offered at a competitive interest rate from 12%. Please note that Capitec operates under the compliance of the National Credit Act (NCA).

The NCA regulates how credit providers charge for personal loans. Capitec will never overcharge you, they want to help with anything possible.

Want to know the best part?

You can spend the money however you want – when your loan application is approved. Many studied consumers for Capitec seem to use personal loan to consolidate debts. You can consolidate all your existing loans for easier monthly repayments

Here’s how you can apply

There are a couple of ways you can apply for Capitec loans.

  • You can apply online;
  • Via the mobile app;
  • At the branch (Find your nearest Capitec branch);
  • SMS “CREDIT” to 44773
  • Or alternatively, call 0860 66 77 87 to begin your application

Use the loan calculator to determine the monthly installments that best suits your budget.

As mentioned above, the approval of your loan application is based on several factors.

Below is a list of what will be considered in the process:

  • 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 installment that suits your cash flow or the option that gives you the best interest rate

To find out more about Capitec loans, please visit their website at and read more.

You can visit any of the local branches for more information.

Otherwise, call them on 0860 66 77 87 to speak to a consultant.