Credit
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.

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

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.
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.