Capitec – Personal loans

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.

Financial problems with online solutions

One of the best things about the modern age that we live in is the advancement of technology. Technology has allowed us to make banking more available and more efficient than ever before. This is why we sport some new nifty software on our website that allows you to take your loan entirely into your own hands. Take the hands-on approach to banking with our online loan calculators. The calculator will allow you to determine the appropriate loan amount and term for you by calculating the monthly repayments for you. In this way, you can determine exactly how much you will be able to afford to repay monthly and start planning your budget!

Get more ‘vroom’ for your buck with Capitec

Everybody remembers the time that they purchase their first vehicle. Unfortunately, for many, it is not always a smooth experience. The mounds of paperwork, rushing about to sign documents and struggling to get the finance you deserve can really put a damper on your excitement. That is why, at Capitec, we believe in keeping your excitement levels stacked all the way. With our personal loans, you can get the car of your dreams; whether you are looking to purchase new or secondhand we are here to help you close the deal. Nothing says ‘independence’ like having your own vehicle. Live better with the bank that cares about you and your finances.