Credit

Choose from personalised credit solutions that suit your needs. Whether you need a loan now or revolving credit for later, a Credit Card for day-to-day transactions or a Home Loan – we’ve got it all.

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Access Facility
Get access to revolving credit of up to R500 000.
Get an access facility
Personal Loan
Apply on our app or online, no branch visit needed.
Get a personal loan
Credit Card
Apply online, get free delivery and cash back on your spend.
Get a Capitec credit card
Home Loan
Apply for a Home Loan online or on our app in 4 easy steps.
Get a Capitec home loan
managing credit

Know your credit

We simplify understanding and managing credit because it plays a significant role in your life. Learn everything about managing credit and get tips to enhance your financial well-being here.

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We can help with your credit repayments

WhatsApp us on 072 822 1582 or SMS your SA ID number or foreign passport number to 30679, and we’ll call you back. You can also call us directly on 0860 66 77 18.

vehicle loan
Vehicle

Vehicle Loan

What’s better than being first in line for a taxi? Getting finance for your first car.

education loan
ic/knowledge Education

Education Loan

What’s better than having big dreams? Making them a reality with our Education Loan.

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ic/home Home Improvement

Home Improvement Loan

Get an interest rate from prime and extended terms for home building and DIY projects.

Medical Loan
MEdical Medical

Medical Loan

Up to R500 000 for ongoing medical expenses, surgery, therapy or to settle bills.

Credit for Multiple Income Earners

Did you know you could get credit if you don’t earn a fixed salary? If you're self-employed or have multiple sources of income every month, you could get up to R500 000 credit for your personal use.

credit for self-employed

How to apply

To see how much you could qualify for:

Want to apply

for Capitec Credit?

You simply need to:

1. Be 18 years or older with a stable income
  • You must be permanently employed or earn a pension
  • Minimum salary for Credit Card application: R5 000
2. Apply
3. Supply these documents
  • Original SA ID
  • Latest salary slip
  • Bank statement with your latest 3 consecutive salary deposits