Personal loan
How to Apply for Capitec Personal loan on your App / Move to a simpler way to get credit by applying for a loan. Get an estimate online or use our banking app to apply for a loan of up to R500 000.
Representative example of Personal Loan
As an example, the estimated monthly repayments on a Personal Loan of R50,000 over 48 months at an interest rate of 22.00% per annum would be R1,741, which includes all service and initiation fees. Our interest rates are personalised, starting from a minimum of 13.75% per annum. Your personal loan will be granted subject to credit and affordability criteria
| R3 000 Minimum Monthly Income |
R500 000 Maximum loan amount |
| 12 to 84 Months to repay |
Personalised Interest rate |
Why choose a personal loan?
- Get up to R500 000 over 84 months
- Choose what works for you – the amount you want, the lowest monthly instalment or the lowest interest rate
- Credit is approved in minutes and the money is available immediately
- Pay fixed monthly repayments
- Get interest rates from 13.75%
- Consolidate all your existing loans for easier monthly repayments
- Add affordable credit insurance, including retrenchment and death cover
- Manage your credit using our app
How to apply
- Online or on our app
- Call us on 0860 66 77 89
- Visit a branch
Documents needed
- Original ID document (must be 18 years or older)
- Latest salary slip
- A bank statement showing your latest 3 consecutive salary deposits (only if the salary is not paid into your Capitec account)
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
- You choose the credit amount that you want
