Apply for Credit with Capitec Bank

Global One is ideal for managing your money, whether it's everyday transacting, saving for the future or getting the credit you need. We've taken credit beyond personal loans and allow you to choose your very own credit plan based on your credit profile and affordability. Apply now for up to R230 000 over 1 – 84 months.

Apply for credit in any of the following ways:

Credit Plans

Loans

Get up to R230 000 cash over 2 – 84 months.

Apply in branch – approved in minutes, cash available immediately
Apply online – we'll get in touch and once approved, cash will be 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
We pay for this cover and the money will be paid to us to settle your outstanding debt

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 one initiation fee, a monthly service fee and interest. You don't pay for credit life insurance at all!

Required Documents

Individuals who are self-employed and who determine their own salary and payment date do not fall in line with our credit-granting policy. When applying for credit, please ensure you have the following documents at hand:

Identification document
Original proof of residential address (any of the approved documents in your name with your street address)
Latest salary slip
3-month bank statement

Our branches are open Monday to Friday (8am – 5pm) and on Saturdays (8am – 1pm). Selected branches in major shopping malls are open on Sundays (9am – 1pm). 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 at Capitec Bank.