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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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Bank on our App Hero Desktop

Do it all on our app, just like that

Make international payments, apply for credit or life cover, renew your licence disc and more.

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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.

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Vehicle

Vehicle loan

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

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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.

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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 (R10 000 for self-employed clients)
2. Apply
3. Supply these documents
  • Original SA ID
  • Latest salary slip
  • Bank statement with your latest 3 consecutive salary deposits

Credit interest

rates and fees

 

FeeCredit cardTerm loanAccess facility
Once-off initiationR100R1 207.50Up to R1 207.50**
MonthlyR50R69R69
Interest rate*11.75% - 22.25%13.75% - 29.25%13.75% - 22.25%
Once-off initiation
Credit cardTerm loanAccess facility
R100R1 207.50Up to R1 207.50**
Monthly
Credit cardTerm loanAccess facility
R50R69R69
Interest rate*
Credit cardTerm loanAccess facility
11.75% - 22.25%13.75% - 29.25%13.75% - 22.25%
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*Based on affordability
**Max amount, based on affordability

 

Download our free Money Guide. It's full of handy information about credit. We’ll help you work out how much credit you can afford, what interest, fees and charges you can expect, how to compare and get the best offer, and what to do if you’re struggling with your debt.