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.
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.
For credit to grow your business, please see our business services.
To see how much you could qualify for:
If your income is not paid into your Capitec account, we need the latest 6-month bank statements showing all income types you receive and the amounts.
Here are the additional documents you need to supply based on your income type:
Income Type | Definition | Documents Required |
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Salary earners | You earn an income from permanent or contract employment. |
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Business owners (registered business) | You earn an income from profits generated by your own registered business. |
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Business owners (informal business or Sole Proprietor) | You earn an income from profits generated by your own informal business (not a legal entity). |
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Rental income | You rent out a property or a room and receive rental income. |
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Spousal maintenance | You get monthly income from your spouse after a divorce or separation. |
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Allowance income | You get a regular income from a benefactor. |
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Interest earners | You have investment or savings portfolios and receive regular payouts into your main transactional account. |
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Commission only earner | You only get paid based on the work you performed |
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Freelance earner | You only get paid based on the work you performed (e.g. Uber or food delivery drivers or Airbnb). |
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Salary from an international company | South African citizens who are receiving a salary from an employer based outside of South Africa. |
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