the benefits of credit

Get long-term personalised loan of up to R250 000, a credit card, a credit facility for daily needs, or apply for a home loan by SA Home Loans.

the benefits of credit

Your credit options

​​Personalised credit

Up to R250 000 cash over 84 months based on your affordability and credit profile. Learn more

Credit card

One card for all your banking needs. Get up to R250 000 credit limit. Learn more

Credit facility

Up to R5 000 for daily needs, emergencies or unplanned expenses. ​Learn more​

Home loan

R100 000 to R5 million over 240 months from SA Home Loans. Learn more

Credit insurance

Get our affordable credit insurance for cover. Learn more

Credit card travel insurance

International travel insurance covers unexpected medical expenses while traveling abroad. Learn more

How to qualify

If you answer 'Yes' to all of the following questions, you could qualify for credit:

  • Are you 18 years or older?
  • Do you have a recent stamped bank statement and salary slip or pension letter?
  • Are you employed (not self-employed) or do you earn a pension?
  • Have you been with your current employer for longer than 2 months?
  • Do you earn a salary (not just commission) which is paid into your bank account?
  • You haven't been handed over, sequestered or placed under debt review/administration?

Credit comparison tips

  • Look at the total repayment amount over the full term
  • While the interest rate is an important factor, don't let it be the only one
  • Understand the fees (once-off initiation fee and monthly service fee) and consider credit insurance (we offer this free on loans 6 months or longer)
  • Download our free Good for Credit booklet for tips on how to handle credit

credit calculator

Share this tool with friends

Travel the world for up to 25% less

Travel the world for up to 25% less

There is a simpler way to get benefits. Capitec clients get up to 25% off Turkish Airlines tickets, as well as other immediate discounts.

Read More
deciding to get credit

deciding to get credit

What you need to know before deciding to get credit, the questions to ask and what to do once you've made your decision.

Read More