Capfin is a leading short-term personal loan provider in South Africa.

    People have the freedom to apply for cash loans at their own convenience. Capfin loans are affordable and offer a quick approval rate.

    Let’s get started.

    Getting The Capfin Loan

    Capfin offers personal loans up to R50 000 within the most convenient and flexible repayment terms of up to 24 months.

    The amount and interest rates will be determined by your credit history. As much as Capfin would want to offer you access to fast cash, if you don’t have a good credit score, there’s nothing Capfin can do other than finding you alternative solutions.

    The company is fully compliant with the National Credit Act and would never offer you the amount you cannot afford to pay back. So, you’ll always qualify for a customized loan, based on your existing income and expenses.

    Peace of mind and a better future is what Capfin seeks for its clients.

    Capfin Loan Application

    Capfin offers the most flexible and easiest ways to apply for personal cash loans.

    1. Online Application

    This is the most preferred method by existing Capfin clients to access cash fast. Visit to begin your Capfin online application.

    You’ll be presented by the loan calculator on the home page of the company’s website. Select the amount you’d want to borrow and click the “Apply Now” button.

    Proceed to complete the Capfin application form with your personal contact details and you’ll receive an instant status about your loan application.

    2. Application via Cell Phone

    To begin the journey of applying for a Capfin loan via cell phone, you’d need to SMS your SA ID number to 33005.

    You’ll receive a notification with the status of your application. And if approved, a consultant will call you to complete your loan application.

    Certain documents will be required for the Capfin application.

    The best part?

    You could choose to speak in your home language with the Capfin consultant.

    3. Apply at Ackermans And PEP stores

    You could also apply for the Capfin loan at any of your nearest Ackermans and Pep stores.

    Submit your ID and recent payslips to the cashier to begin your personal loan application. The cashier will scan your document and Capfin will retrieve your banking statements directly from the bank.

    Now, you wait for the approval SMS, which usually comes through as soon as you leave the store.

    If approved, money will be deposited directly into your bank account for personal use.

    Loan Eligibility Requirements

    As enforced by the National Credit Regulator, Capfin would need supporting documents to process your application.

    Capfin will need the following information:

    • Over 18 years old with a valid SA ID
    • Must be permanently employed with payslips
    • A working and valid cell phone number
    • Recent banking statements

    Your credit score is your key factor in qualifying for the Capfin loan.

    The Capfin Loan Calculator


    This calculator will help you know your Capfin loan before taking any decision. It’ll also assist you in making the right financial decision.


    By selecting your amount, you’ll know exactly how much interest will be charged, for how long period for repayment, and finally your overall principal debt.

    This will help you budget for the loan and have a better monthly cash flow.

    Capfin Contact Details

    For any further information, you need about Capfin loans. please contact 087 354 0000 to speak to a consultant.

    Alternatively, visit and begin your personal loan online application.



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