Personal loan

Move to a simpler way to get credit by applying for a term loan. Get an estimate online or use our banking app to apply for a loan of up to R500 000.

See What You Could Get

Why choose a personal loan?

Get up to R500 000 over 84 months
Choose what works for you – the amount you want, the lowest monthly instalment or the lowest interest rate
Credit is approved in minutes and the money is available immediately
Pay fixed monthly repayments
Get interest rates from 13.75%
Consolidate all your existing loans for easier monthly repayments
Add affordable credit insurance, including retrenchment and death cover
Manage your credit using our app

How to apply

Online or on our app
Call us on 0860 66 77 89
Visit a branch

Documents needed

Original ID document (must be 18 years or older)
Latest salary slip
A bank statement showing your latest 3 consecutive salary deposits (only if the salary is not paid into your Capitec account)

Your offer is based on your affordability and credit profile

Your banking and credit history
Your income and expenses to see how much you can afford
You choose the credit amount that you want
You choose the monthly instalment that suits your cash flow or the option that gives you the best interest rate

Credit insurance

Credit insurance is required for all our personal loans to cover death, permanent or temporary disability, unemployment, the inability to earn an income or retrenchment.

What makes our credit insurance great

Unlike other insurance policies your premiums become lower over time. That’s because the monthly premium is calculated based on how much you owe on your loan. So the more you pay off on your loan, the lower your insurance payment becomes.

Read more about our credit insurance and easy claims process.