Home improvement loan

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

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What is credit for home improvement?

The benefits:

  • Up to R500 000 credit for your needs
  • Revolving credit (access facility) is available immediately, only pay for it when you use it
  • Up to 84 months to pay
  • an interest rate from prime


How to apply

  • Choose an option that suits you:
    • Online directly from the partner’s website below
    • Scan the QR code at the partner to start your application
    • Visit a branch
  • Complete 3 easy steps online to see if you qualify
  • If you do, a consultant will contact you to complete your application


What you need to apply

  • A valid SA ID (must be 18 years or older)
  • Your latest 3 consecutive salary slips
  • A bank statement showing your latest 3 consecutive salary deposits (only if the salary is not paid into your Capitec account)


Get credit with our home improvement partners:

CashBuild _ Desktop


Whether you are building your home, making home improvements, or dabbling in DIY, get everything you may need with a loan at a discounted interest rate at Cashbuild – shop online or in-store and have it delivered.

CTM _ Desktop


Whether you're a DIY enthusiast or would like revamp your space for your family, together with CTM, we'll help you transform your home with a loan for your needs, because sithi wena – you deserve it!

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P&L Hardware

Improving your home? Bring your vision to life with a loan of up to R500 000 at an interest rate from prime. Visit any Capitec branch with your P&L quote or invoice.

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Top Tiles

We're here to help you seamlessly transform your kitchen, room, garden or any part of your home! Simply visit any Capitec branch with your Top T quote or invoice.