Capitec is a Registered Financial Service Provider / NCRCP13

image of Capitec

About Capitec

With one of the best and most advanced banking infrastructures in Africa, Capitec Bank has the ability to help you achieve your financial goals and when it comes to personal loans we offer some of the best products and some of the most competitive rates and flexible terms.

We Welcome New and Existing Customers to Apply

Whether it's your first time using Capitec or whether you're a longtime client of ours, you are welcome to apply for a personal loan with us.

This loan can then be used to purchase a vehicle, renovate your kitchen, take the family on their first trip overseas and so much more!

What Capitec can offer you

With so many genuinely good reasons to choose Capitec - we've found that our customer base is ever increasing - just as our customer satisfaction rates.

We are all about simplicity and when you choose us you are choosing a banking partner that strives to get you where you want to go using the shortest and simplest route.

Apply for a Personal Loan of up to R250,000

At Capitec we offer short term loans that can be applied for quickly and easily as well as long term personal loans of up to R250,000 - these loans are ideal for home renovations, purchasing furniture or financing the purchase of a new or used motor vehicle and carry a maximum APR or Annual Percentage Rate of 28% in line with the National Credit Regulator's recommendations.

In a Nutshell

  •  Loan minimum R 500.00
  •  Loan maximum R 250,000.00
  •  Interest rate Maximum 28% per annum
  •  Loan term minimum 30 days
  •  Loan term maximum 84 months
  •  Average processing time 2 to 24 hours
  •  In-store application
  •  Unsecured loan option
  •  Secured loan option
  •  Early repayment

Personal Loans Designed to Meet your Every Need

Applying for a personal loan couldn’t be easier - with an online application, simple terms, utter transparency and quick turnaround times - we're the lender for the people!

We're Truly Transparent

While most lenders claim to be transparent very few of them actually list their rates or fees on their websites like Capitec.

Moreover, they like to use complicated jargon and lots of words to mask the fact that their loans are not competitive, expensive and even difficult to obtain.

We've listed all of our rates and fees associated with a personal loan and you can view these on our website!

What you Need to do to Apply

To apply for a quick loan online you will have to fill out a form that asks you for details such as your name, surname, address, occupation, income and expenses and, providing necessary supporting documentation which includes your ID, bank statements, pay slips and proof of residence.

Eligibility & Requirements

  •  Stable address history
  •  Over 18 but under 65
  •  Earning a stable income
  •  Credit check
  •  Good credit history
  •  Recent pay slips
  •  Proof of address

Other Products & Services

  • Bank Accounts
  • Credit Cards
  • Home Loans

Here’s a short video about Capitec

Contact Details

 Visit Website


 Physical Address

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

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