Capitec Bank Loans are easy to apply for and offer more benefits than you can ever imagine.

    I know this because Capitec Bank is one of the top banks in South Africa.

    I also know friends and many businesses which trust Capitec Bank with financial services such as personalised credit, home loans, and credit cards.

    But we’ll talk more about the services later in the article.

    Now let’s get started.

    Understanding The Capitec Bank Loans

    Maybe you wanted to do home improvements, buy a reliable car for the family, and pay for study fees or medical bills.

    Capitec Bank will offer you a personalised credit of up to R250 000. Perhaps you just wanted quick cash to manage unplanned expenses, Capitec has a solution for you.

    You can get a credit facility of up to R5 000 – in your bank account instantly.

    You must be wondering – what is personalised credit?

    A personalised credit is a way Capitec Bank offers you the best loans based on your current needs and credit profile.

    You get to choose the monthly installment that best suits your budget and monthly cash flow.

    You could also use Capitec Bank Loans to consolidate your debt for one central monthly installment. This option will give you the lowest interest rate.

    But you can spend the money however you wish – the choice is yours.


    Capitec Bank operates under strict compliance with the National Credit Act. They will never lend you the money you cannot afford to pay back.

    Your Capitec loan application will be offered based on your affordability and credit rating.

    The bank will determine your affordability by considering the following:

    • Your lifestyle banking.
    • Income and expenses every month.
    • How stable is your income for the amount you’re applying for?
    • The monthly installment you choose – is it the best?

    The above information will give you the most convenient Capitec Bank personal loan ever. You will be able to manage the monthly installment without affecting your monthly cash flow.

    Capitec Bank Global One – Loan Types

    Here’s a list of credits you may find interesting at Capitec Bank. These are solutions designed for specific financial needs and expectations.

    1. Personalised Credit

    Get as much as R250 000 over a period of 84 months. The loan is given at a fixed interest rate of 12.9%.

    Your monthly installment doesn’t change for the whole term of the loan.

    Easy to apply and quick payout.

    2. Credit Facility

    Designed for unplanned financial emergencies. Capitec Bank gives you R5 000 to prepare and manage emergency situations.

    Money is available immediately at the Capitec ATM’s or supermarket tills.

    You can transfer the money across the Capitec account using the app and cellphone banking.

    3. Home Loans

    Qualify for a bond up to R5 million.

    With the Capitec Home Loan, you’re guaranteed 100% of the home value when you apply online.

    The loan is based on your affordability and credit profile.

    Fast approval in just 5 days, considering all the documents have been provided

    4. Credit Card

    Get up to R150 000 limit on your Capitec Bank Credit Card when you apply today.

    Want to know the best part?

    If you pay back the money within 55 days, you don’t pay any interest.

    Credit is personalised to your profile.

    Manage the funds on the Capitec Bank app.

    What you’ll need to apply

    To apply for any credit in South Africa, you must provide certain documentation for processing.

    Now, to qualify for Capitec Bank Loans, you must produce the following documents:

    • Identification document (you must be 18 years or older)
    • Original proof of residential address
    • Latest salary slip
    • Stamped 3-month bank statement showing your last 3 salary deposits

    Ways to apply for Capitec Bank Loans

    There are a couple of ways to apply for credit with Capitec Bank.

    1. Apply online

    Visit to begin your application.

    Use the Capitec Bank loan calculator to get an online estimate.

    2. Apply via the app

    Download and set up your Capitec Bank app. This will give you full access to banking features.

    You can then apply on the app and get instant approval.

    3. Apply at a branch

    Visit any of the Capitec Branches across the country.

    Submit your documents and apply with the help of a consultant.

    Get your answer at the same time.

    It’s that simple.

    How Capitec Bank Loans are Approved

    Do you want more details on how loans are approved at Capitec? Continue reading…

    Before credit providers make decisions to grant you a personal loan, there a few factors they need to consider.

    The company must certain you’re a reliable client based on your banking behavior.

    The biggest loan approval signal is affordability.

    Capitec Bank will review and understand your recent income and average spending.

    They look at the money you have left after all deductions and expenses to evaluate how much you can afford.

    If you can pass the affordability assessment and have a stable income as per your banking statements and payslips.

    You’re likely to get approved for the amount you want.

    Capitec Bank Loan Contact

    For more information about Capitec Bank Loans, contact 0860 10 20 43 and speak to a consultant.

    Visit a branch, if you prefer speaking to a consultant – face to face.

    Alternatively, visit and read more online.



    Disclaimer: CoMoney is an information website that aims at making your personal finance decisions a success.

    Content in this website are intended for general informational purposes and must not be used as financial advise to address individual circumstances. It’s not a substitute for professional advice or help and should not be relied on to make decisions of any kind. Any action you take upon the information presented in our website is strictly at your own risk and responsibility!

    We are not a credit intermediary or broker of the consumer loans or the other financial product. We do not sell any financial product, provide consumer loans or financial advice. We are neither a bank nor a credit company. We also do not arrange or mediate the conclusion of any contract. We compare the loan offers and credits. We do not guarantee the accuracy of the provided information.

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