Can Capitec help me finance home renovations?

Yes — Capitec offers guidance and responsible credit solutions that can help you fund home improvement projects through tailored borrowing options and structured repayment plans.

How do I apply for home improvement credit with Capitec?

Apply for home improvement credit through the Capitec app, online banking, or at a branch. Before applying, ensure you understand the terms, fees and repayment requirements.

What should I consider before borrowing for home improvements?

Consider your budget, project scope, repayment ability, interest and fees. It’s also helpful to compare alternative options such as savings, phased improvements or cost estimates before borrowing.

Are there restrictions on how home improvement credit is used?

Yes — lenders may have criteria on eligible improvements, allowable costs and documentation. Confirm Capitec’s specific eligibility and usage terms before you proceed.

Home Improvement Loan

Q: What is credit for home improvement?

Credit for home improvement is a financing option that helps you cover costs for renovations, repairs or upgrades to your home. It includes borrowing plans that match your needs and repayment ability.

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

What is credit for home improvement?

The benefits:

Up to R750 000 credit for your needs
Get a reduced interest rate
Up to 84 months to pay

How to apply

At any Capitec branch
Online from any of the partners’ websites below
On our app

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:

Boxer Build

Your one-stop shop for quality building materials – with credit of up to R750 000 that’s tailored to any project, big or small.

Apply now

BUCO

Transform your home or DIY project. Get a loan to shop BUCO’s locally sourced products and take your plans from start to finish.

Apply now

Build it

Renovating or revamping? Build it has everything you need to make home building simple. Transform your home with a loan that suits your needs.

Apply now

Cashbuild

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.

Apply now

CTM

Whether you're a DIY enthusiast or would like to 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!

Apply now

Laduma Hardware

From small fixes to big builds – get everything you need for your home improvement project with a loan that fits your needs and budget.

Apply now

P&L Hardware

Improving your home? Bring your vision to life with a loan of up to R750 000 at an interest rate from prime. Visit any Capitec branch with your P&L quote or invoice.

Visit your nearest branch

Timbercity

From cupboards to carpentry, apply for a loan at Timbercity and get the timber and tools you need for your next home improvement project.

Apply now

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.

Visit your nearest branch