Capfin Personal Loans
Easy to apply
Approval time
No hidden condition
Renewal rules
Service quality
Customer support
Borrower requirements
  • You must be 18+
  • Reside in the SA and have a valid ID
  • Provide proof of your income
  • Have an active checking account
  • Bank account
  • Credit or Debit card
Contact information
Phone number: 0873540033
Shedule Monday - Friday
08:00 - 17:00

Capfin is a well-known name in the financial industry in South Africa. Over the years, the company has helped countless individuals with their financial needs, providing them with reliable personal loan options. With Capfin, customers can access affordable loans with flexible repayment terms that suit their unique circumstances. But what sets Capfin apart from its competitors? In this blog post, we take a closer look at Capfin personal loans and explore what makes them a popular choice among South Africans seeking financial assistance.

Loan parameters
  • Loan amount
    R1,000 – R50,000
  • Interest
    32,64 %
  • Term
    6 – 12 months
  • Age
    18+ years

Convenient Way to Get Financial Assistance in South Africa

In today’s world, where expenses are always on the rise, it’s not uncommon to need some financial assistance from time to time. Whether it’s to pay for unexpected medical bills, home repairs, or to fund a dream vacation, a personal loan can come in handy. Capfin, one of the leading financial institutions in South Africa, has made it easy for people to get access to the funds they need through their Capfin Personal Loan.

The Capfin Personal Loan is a quick and easy way to get the financial help you need. The application process is hassle-free, and you can apply online or via SMS. The best part about it is that you don’t need to provide any collateral or security to get the loan. If you’re interested in applying for a Capfin Personal Loan, here’s what you need to know.

Application Process

To apply for a Capfin Personal Loan, you will need to provide some personal information and documentation. The following documents are required for the application:

  • A valid South African ID or passport – Proof of residence (e.g., utility bill)
  • Your most recent payslip (if employed) or bank statement (if self-employed)
  • A contact number and email address
  • Once you have all of the required documentation, you can start the application process.

    Step-by-Step Instructions

    To apply for a Capfin Personal Loan, follow these simple steps:

    1. Visit the Capfin website at 2. Click on the “Apply Now” button on the homepage.
    2. Fill out the online application form with your personal information and upload the required documentation.
    3. Submit the application form.

    Alternatively, you can apply for a Capfin Personal Loan via SMS by following these steps:

    1. SMS your ID number to 43679. 2. Capfin will send you an SMS with a link to the online application form.
    2. Fill out the online application form and upload the required documentation.
    3. Submit the application form.


    One of the best things about the Capfin Personal Loan is the convenience factor. You can apply for a loan from the comfort of your own home or office. You don’t need to visit a branch, and you can get a response on your application within minutes. Plus, if your application is approved, the funds will be deposited directly into your bank account within 24 hours.

    Inclusive and Accessible to All

    When it comes to personal loans, finding a trustworthy lender that can provide you with the funds you need can be difficult. Many banks and financial institutions have strict eligibility criteria and credit checks that can make it hard for individuals to access much-needed funds. However, with Capfin, you can rest assured that you’ll have access to loans that are inclusive and accessible to all.

    So, what are the eligibility criteria for Capfin Personal Loans? Let’s take a closer look:

  • Age: Applicants must be 18 years or older to apply for a Capfin Personal Loan.
  • Employment status: Applicants must be employed, earning a minimum of R2,000 per month, and must provide proof of income.
  • Credit history: While Capfin does conduct an affordability assessment to ensure that applicants can afford to repay the loan, the lender does not put as much weight on credit history as other institutions might.
  • As you can see, Capfin’s eligibility criteria are straightforward and inclusive. The lender focuses on affordability and flexibility, rather than just credit history. This means that even if you’ve been declined by other loan providers in the past, you may still be eligible for a Capfin Personal Loan.

    So, how is Capfin able to provide loans to those who may have been declined by other lenders? The answer lies in Capfin’s innovative approach to lending. The lender uses an advanced algorithm to assess each applicant’s financial situation and determine whether they can afford to repay the loan. This algorithm takes into account a range of factors, including income, expenses, and credit history, to provide a more accurate assessment of affordability.

    This approach means that Capfin can provide loans to individuals who may have been declined by other lenders due to their credit history. Instead of just looking at a credit score, Capfin takes a more holistic approach to lending. This means that individuals who may have had financial difficulties in the past can still access the funds they need.

    Capfin’s approach to lending is based on inclusivity and accessibility. The lender believes that everyone deserves access to credit, regardless of their financial history. By focusing on affordability and flexibility, Capfin provides a range of personal loan options that are suited to different financial situations.

    Repaying a Capfin Personal Loan

    Capfin is a leading personal loan provider in South Africa, offering fast and convenient loans to help you cover unexpected expenses or make important purchases. If you’ve recently taken out a Capfin personal loan, you may be wondering how to repay it. In this blog post, we’ll explain the repayment process, highlight the importance of making timely repayments, and provide tips on how to manage your repayments effectively.

    Repaying a Capfin Personal Loan

    When you take out a Capfin personal loan, you’ll agree to a repayment schedule with fixed instalments over a set period of time. You can choose to make your repayments either weekly or monthly, depending on what works best for you. Capfin offers a range of payment options to make it easy for you to stay on top of your repayments. These include:

  • Debit order: This is the easiest and most convenient way to make your repayments. You simply authorise Capfin to deduct the agreed instalment amount from your bank account on a set date each month or week.
  • EFT: You can also make your repayments via electronic funds transfer (EFT) from your bank account. It’s important to note that you’ll need to use your unique Capfin reference number when making your payment to ensure it’s allocated correctly.
  • Cash at a retail store: If you prefer to make your repayments in cash, you can do so at any Pick n Pay or Boxer store. Simply provide your Capfin reference number and pay the agreed amount.
  • It’s important to make your repayments on time to avoid additional fees and charges. If you miss a repayment, you may be charged a late payment fee, which can add up quickly and make it harder to pay off your loan. If you’re struggling to make your repayments, it’s important to contact Capfin as soon as possible to discuss your options.

    Managing Your Repayments Effectively

    Managing your repayments effectively is key to paying off your Capfin personal loan as quickly and easily as possible. Here are some tips to help you stay on top of your repayments:

    1. Set up a budget: Knowing exactly how much money you have coming in and going out each month can help you plan your repayments and avoid overspending.
    2. Automate your payments: Setting up a debit order or EFT can help ensure your repayments are made on time without you having to remember to do it yourself.
    3. Prioritise your loan repayments: Make your loan repayments a priority and ensure they’re included in your monthly budget. This can help you avoid missing payments or spending money on unnecessary expenses.
    4. Consider making extra payments: If you have some extra cash available, consider making additional payments towards your loan. This can help you pay off your loan faster and save money on interest charges.

    By following these tips and staying on top of your repayments, you can successfully pay off your Capfin personal loan and achieve your financial goals.

    Your comment

    Fast and Easy Loans Online
    Fast and Easy Loans Online
    Ready? Get it only in 5 minutes!


    Ahmed Mabaso
    Loans are issued online and quickly. Simple and clear site. There is a possibility of early repayment of the loan. I recommend!
    Susan Van Rooyen
    I use this service often. I like the convenience and speed of applying for a loan online with favorable conditions. There is 24/7 online support.
    Apply Now

    Applying does NOT affect your credit score!

    No credit check to apply.