Rating based on 11 reviews


  • Low interest rates
  • Personal loans up to R50,000
  • Repayment up to 12 months

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Capfin homepage
Author Capfin. Screenshot of Capfin website.
[Accessed February 11, 2022]

About Capfin

Capfin is a trusted and loyal personal loan provider for you in times of need.

Founded in 2010, Capfin is a well-known company that can provide you with affordable loan products and services. They are a registered credit provider, so you can feel comfortable knowing that you are dealing with the right people.

Online personal loans through Capfin

Capfin provides you with an online platform, where you are able to apply for a personal loan in just a few easy steps. With a start-up team of 3 members, to over 1000 people working for them. Capfin strives to give you only the best service.

With a top-of-the-range online platform that is constantly updated and screened for any possible problems, Capfin keeps its customers happy all-round. Positivity is key in today's world, and Capfin strives to keep this bar high for you.

Simple, easy, and accessible personal loans

The business's mantra is to improve lives by empowering people. Capfin bases its business principles on providing you with easily accessible, fast, and simple online personal loans. Capfin makes your lives slightly easier and less chaotic, while still being able to provide financial assistance.

Personal loans partnered

Being in a partnership with PEP and Ackermans, Capfin now allows you to apply and take out a loan at any of their stores nationwide. This makes it so much easier for you. Regardless of whether you are in town or a while away from a Capfin branch, you will be able to get the exact same assistance at a PEP or an Ackermans and receive the exact same service and results.

Convenience is right at your doorstep with Capfin and their partners, as they are trusted and popular retail brands. You can trust applying for large amounts of money through them and stay safe doing so too. Capfin is also an entirely-owned subsidiary of Pepkor.

Capfin Services

While offering you personal loan options of up to R50 000, you are also able to choose whether you would like a repayment period of 6 or 12 months.

Accessible and simple personal loans

One of the main aims of Capfin’s personal loans is to provide you with affordable options that are easily accessible. Capfin makes this possible by allowing you access to your personal loan account at any time.

A company that grants you personal loans without checking if you are able to afford the repayments, would be careless. That is why Capfin first puts you through an affordability assessment process, where they check whether or not you will be able to afford the personal loan you are wanting to apply for.

Banking with a company that has your back, is always an upside. Feeling secure and confident in your finances has never felt this good.

The interest rate on personal loans

The interest rate that is charged is regulated by the NCA:

  • 3 and 6 months loans, under R8000 are charged at 5% per month for the first loan and 3% per month on subsequent personal loans
  • Personal loans taken over 12 months is charged on the repayment rates +21%, which works out to 24,5%

Your personal loans stay with Capfin

In the case of death, Capfin frees your loved ones of any extra burdens regarding you. They will write off any of your outstanding personal loan amounts. In order to claim, you would need the following:

  • Copy of deceased Capfin account holder's ID.
  • Certified copy of death certificate.

You can submit the above to the email provided on the website or you can click on the upload documents button under the “Apply” heading. You can conveniently upload your documents there too.

Capfin – Personal loan

  • Loan Type Personal loans
  • Loan Amount up to R50,000
  • Repayment 6 months to 12 months

Benefits of Capfin

  • A fast online application process
  • No hidden fees and interest rates
  • Easy to get personal loans

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Capfin - A fast and secure loan provider

Having an online profile with Capfin is safe and super secure.

You can create a profile by using your SA ID and then you are sent an OTP straight to your cell phone.

Requirements to apply

  • Your valid SA ID.
  • 3 latest payslips or bank statements.
  • You must be permanently employed and earn a monthly salary.
  • A valid cell phone number.
  • A valid SA bank account.
  • You need to be 18 years or older.

Documents you’ll need to upload

  • Your registered South African ID.
  • Your latest payslips for 3 months.
  • Your latest 3 months bank statements.

Online application process

The Capfin online loan application process is slightly different from any other online application form.

Option one

  • Click on the We will Call you button under the Apply Now heading.
  • Fill out the form
  • Wait for Capfin to Call You Back

Option two

  • Sms or visit any PEP or Ackermans nationwide
  • Apply in-store with the necessary documents

Receiving a personal loan

Once you have applied and have been approved, your personal loan money will generally be paid out within 48 hours of approval, to your nominated bank account.

Benefits of taking out a personal loan with Capfin

So, out of all of the personal loan options in South Africa, why should you choose Capfin to handle your personal loans for you?

  • It entails an easy, fast online application process.
  • Capfin is able to obtain bank statements directly from your bank for you.
  • No hidden fees and interest rates.
  • You have 24/7 access to your Capfin loan account.
  • In the case of a death, the personal loan balance amount is written off.
  • Applying for personal loans has never been this easy.
  • Capfin’s online platform is fast, reliable, and simple to use.

Leaving your finances in good and trustworthy hands is exactly what Capfin aims at providing to you. A personal loan service that never fails and always excels.

man holding thumbs up

Capfin is a trusted & reliable provider of personal loans

In our review, Capfin adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

Capfin is a registered credit provider in South Africa: NCRCP 11812

Customer Reviews & Testimonials

October 2021

Having to borrow money from a financial provider is always very daunting. Capfin made me feel comfortable and I was able to pay it off and move on with my life quickly.

Mthabali S
— Johannesburg —

October 2021

That polka-dot wallpaper was just out of my budget for my new coffee shop. If it wasn’t for having a company like Capfin to turn to, I would have had to go without that gorgeous wallpaper.

Pisanie W
— Port Elizabeth —

August 2021

I will use Capfin over and over again. They are the best small loan providers.

Swifty S
— Cape Town —

Capfin Contact

Physical Address

  • 1 Industrie Street Kuils River Cape Town Western Cape 7580 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday 08:00 – 16:00
  • Sunday – Closed