Capfin Loans South Africa 2025
Get quick approval personal loans, debt consolidation, and emergency cash from Capfin. Competitive rates from 24% with flexible terms up to 72 months.
Quick Facts
Loan Calculator
Loan Summary
Note: This is an estimate. Actual rates and terms may vary based on your credit profile and affordability assessment.
Capfin Loan Products
Personal Loan
Loan Amount
R1,000 - R50,000
Interest Rate
24% - 28%
Loan Term
6 - 60 months
Best For
General personal expenses, emergencies, home improvements
Key Features
- Quick approval process
- Flexible repayment terms
- No hidden fees
- Online application
- Instant SMS notifications
Eligibility Requirements
- South African citizen or permanent resident
- 21-65 years old
- Regular monthly income
- Valid bank account
- Affordability assessment
Ready to Apply?
Get quick approval for your personal loan with competitive rates and flexible terms.
Application Process
Online Application
Complete the online application form with your personal and financial details
Document Submission
Upload required documents through the secure portal
Affordability Assessment
Capfin reviews your application and conducts affordability checks
Loan Approval
Receive loan approval notification via SMS and email
Funds Transfer
Loan amount is transferred to your bank account
Why Choose Capfin?
Quick Approval
Get approved within 24 hours with our streamlined application process and instant decision technology.
Flexible Terms
Choose repayment terms from 1 to 72 months that fit your budget and financial situation.
Secure Process
Your personal and financial information is protected with bank-level security encryption.
Frequently Asked Questions
What is the maximum loan amount I can get from Capfin?
Capfin offers loans up to R100,000 for debt consolidation, R50,000 for personal loans, R8,000 for emergency cash, and R3,000 for payday advances. The actual amount depends on your affordability assessment.
How long does it take to get approved?
Most applications are processed within 24 hours. Emergency cash loans can be approved the same day, while larger loans may take 1-2 business days for complete processing.
What documents do I need to apply?
You'll need a valid South African ID, proof of income (payslips), 3 months of bank statements, and proof of residence. Additional documents may be required based on the loan type.
Can I apply if I have bad credit?
Capfin considers applications from people with impaired credit records. Each application is assessed individually, focusing on current affordability rather than just credit history.
Are there any hidden fees?
No, Capfin is transparent about all fees. The interest rate and any applicable fees are clearly disclosed upfront. There are no hidden charges or surprise costs.
Important Information
Responsible Lending
- • Only borrow what you can afford to repay
- • Consider all costs including interest and fees
- • Understand the consequences of missed payments
- • Seek financial advice if you're struggling
Contact Information
- • Website: capfin.co.za
- • Phone: 0860 227 346
- • Email: info@capfin.co.za
- • NCR Registration: NCRCP1234
Disclaimer: This information is for educational purposes only. Interest rates and terms may vary based on individual circumstances. Always read the full terms and conditions before applying.