Credit Solutions from Capitec Bank

Global One is ideal for money management, saving for the future and applying for the credit you need right now. You can apply for credit of up to
R230 000 over terms ranging from 1 to 84 months.

When you apply for credit at Capitec Bank, you’ll also have access to lower cost transactions and highly competitive interest on savings. Get the easiest access to personalised credit by getting Global One today. See just how much you qualify for by viewing our credit rates and fees now.

“Credit applications are approved in minutes and the cash is available immediately.”

Credit Plans

Loans

Get up to R230 000 cash over 2–84 months

Approved in minutes, cash available immediately
Amount based on your credit profile and affordability
Fixed monthly repayments
Consolidate all your existing loans for easier monthly repayments

Free retrenchment and death cover

For loans 6 months and longer, your outstanding balance will be paid in full
If you’re retrenched when the loan is less than 3 months old, 50% of your loan will be covered

Multi Loan

A monthly loan for your daily needs or emergencies, reviewed every 12 months at a branch

Get up to R4 000 in minutes, any time or place
Transfer money to your transaction/savings account using our ATMs, Mobile Banking or Internet Banking
Interest and fees only charged on money transferred
Repayable in full each month

Comparing credit offers

When comparing credit, look at the total repayment amount over the full term
Comparing interest rates only can be misleading because it doesn't include all fees and the cost of credit life insurance
At Capitec Bank, you only pay an initiation fee, monthly service fee and interest. You don't pay for credit life insurance at all

Apply for Credit at Capitec Bank

You can apply for credit at Capitec Bank in 2 easy moves:

Our branches are open Monday to Friday (8am – 5pm) and on Saturdays (8am – 1pm). Selected branches in major shopping malls are open on Sundays (10am – 2pm). All branches are closed on public holidays.

Note that some of our branches are open at 8:30am on mid-month Wednesdays due to training, and that our branches in malls follow mall trading hours.

Please contact us through this site if you have any questions about applying for credit from Capitec Bank.