How do I get a Capitec personal credit estimate?

You can get a personalised credit estimate online at capitecbank.co.za/personal/credit/personal-estimate/ or through the Capitec banking app. The estimate is based on your income, expenses and credit profile.

Is a Capitec credit estimate the same as a credit application?

No. A credit estimate gives you an idea of how much you could qualify for. A full credit application is required to receive a final offer, which is subject to a complete credit assessment.

Does getting a credit estimate affect my credit score?

A credit estimate is typically a soft inquiry and does not negatively affect your credit score. A full application may involve a hard inquiry.

What credit products can I apply for through Capitec?

Capitec offers personal loans and credit cards. You can use the personal estimate tool to see what you may qualify for before completing a full application.

What do I need to apply for credit at Capitec?

You need a South African ID, your latest salary slip and a 3-month bank statement if your salary is not paid into a Capitec account. A minimum monthly salary of R3 000 is required.

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