Loans
Capitec Personal Loan: find out how to apply!
Discover how simple it is to apply for loans at one of the best banks in the country. Get approved in minutes! Read on to learn more!
Advertisement
Capitec Personal Loan: get loans of up to R250,000 immediately!

Apply to Capitec Personal Loan, the fastest and easiest way for South African citizens to get cash. Apply for loans even if your income is a salary and access loans up to R250,000.
Also, you can receive cash immediately through electronic transactions. Learn how to request this service!
Online application
To apply for Capitec Personal Loan, go to the official website of this product. Select the “See how much you can earn” button on the home screen.
Then you will access a small form that will simulate the terms of your loan. Thus, you’ll need to provide your personal and financial information.
Finally, the system will generate the terms of your loan. If the proposal pleases you, you can formalize the loan application. You’ll need to meet the following requirements.
- Original identity document (must be over 18 years old);
- Last pay slip;
- A bank statement showing your last 3 consecutive salary deposits (only if the salary is not paid into your Capitec account).
Before approving your application, the bank will review your credit history. Income and expenses will also be evaluated.
You will be redirected to another website
Apply on the app

In fact, you can apply for Capitec Personal Loan loans from your cell phone. However, this feature will only be available if you already have a Capitec account open.
Otherwise, you can request the opening of your account via smartphone. In both cases, download the “Capitec Bank” application.
After accessing your account, search for loan options and follow the steps described above.
Compare the Capitec Personal Loan to other options: FinChoice Personal Loan
Each year, the personal loan market in South Africa becomes more competitive.
So, after knowing how to apply for the Capitec Personal Loan, get to know one of the main competitors of this lender.
In the table below, you can see a comparison between them:
| Capitec Personal Loan | FinChoice Personal Loan | |
| Interest Rate | From 12.75%; | Check your loan’s terms and conditions on the loan agreement for more details; |
| Loan Purpose | Vehicle, Medical (ongoing medical expenses, surgery, therapy, or to settle bills), Education (student loan at partner educational institutions), Home Improvement (home building and DIY projects), and loan consolidation; | Any purpose; |
| Loan Amounts | Up to R250,000; | Flexi Loans (for new customers): up to R8,000; Longtime customers can borrow up to R40,000 on their second loan; |
| Repayment Term | Up to 84 months; | Up to 6 months (Flexi Loan) and 6, 12, 24, or 36 (for old customers); |
| Initiation Fee | Not disclosed. | They were not disclosed. |
With FinChoice Personal Loan, you can get up to R40,000 quickly and easily. In addition, you can count on short-term loans of up to R8,000.
Maybe your best deal is here. Next, learn to count on this service whenever you need easy money.
FinChoice Personal Loan: find out how to apply!
Apply to FinChoice Personal Loan and get a loan of R40,000 without having to leave your home! Keep reading to learn how!
Trending Topics
Nedbank Personal Loan: find out how to apply!
Apply to Nedbank Personal Loan and get access to up to R300,000 and receive a cashback R200 cashback per month! Keep reading to learn how!
Keep Reading
African Bank Gold Credit Card: check out how to apply!
Apply for the African Bank Gold Credit Card! Access a card that offers basic credit services and 60 days with no interest rate!
Keep Reading
Amazing deals await: Buy cheap British Airways flights
Learn how to buy cheap British Airways flights and, better than that, find out how you can fly with this company anywhere for free!
Keep ReadingYou may also like
uBank Personal Loan review: up to R180,000
Read our uBank Personal Loan review, and discover how to get the money you need! Qualify for personalized rates! Enjoy fast funding!
Keep Reading
Capitec Credit Card full review: should you get it?
The Capitec Credit Card has attracted many customers for its 1.5% cash on eligible purchases and many other advantages. Learn more!
Keep Reading
What is the minimum credit score to buy a car in South Africa?
Are you going to buy a car? Know what is the minimum credit score to buy a car in South Africa and how to buy your car with a lower score!
Keep Reading