How to qualify for credit

Before you apply for credit, make sure:

Age:

• You are 18 years or older

Income:

• You are permanently employed, self-employed, earn other income or earn a pension
• The minimum income requirement for a credit card application is R5 000, and R10 000 for self-employed clients

Documents:

• You have your original SA ID document
• Your latest salary slip
• A bank statement showing your latest 3 consecutive salary deposits (only if the salary is not paid into your Capitec account)

Other:

• You haven't been handed over, sequestered or placed under debt review/administration

How to apply

1. Online or on our app
2. Call us on 0860 66 77 89
3. Visit a branch

Credit comparison tips

• Look at the total repayment amount over the full term
• While the interest rate is an important factor, don't let it be the only one
• Understand the fees (once-off initiation fee and monthly service fee) and consider credit insurance (we offer this free on loans 6 months or longer)
• Download our free Good for Credit booklet for tips on how to handle credit