The Capitec Personal Loan is designed for planned costs, unexpected expenses or consolidating existing loans. Your personal loan amount and interest rate are determined by your credit profile and affordability assessment.
Capitec Personal Loan: best loan for larger personal expenses and debt consolidation
With access to as much as R500 000, the Capitec personal loan can cover substantial personal expenses while allowing you to select a repayment period between 12 and 84 months.
The loan can also be used to consolidate existing loans into easier monthly repayments. Capitec lets you choose the credit amount, monthly instalment or option offering the best interest rate for your circumstances.
Should I get a personal loan from Capitec?
Capitec is an authorised financial services provider and registered credit provider, and the bank reported 25.8 million active clients for the financial year ended February 2026. Its personal loan is subject to credit and affordability criteria.
The Capitec loan combines personalised interest rates with fixed monthly repayments, digital credit management and terms of up to 84 months. Credit insurance is required and additional fees form part of the total borrowing cost.
How to get a loan from Capitec?
To get the Capitec Personal Loan, you need to:
- Be 18 years or older.
- Provide an original ID document.
- Provide your latest salary slip.
- Provide a bank statement showing your latest 3 consecutive salary deposits if your salary is not paid into your Capitec account.
- Complete Capitec’s credit and affordability assessment.
- Choose the credit amount you want.
- Choose a monthly instalment that suits your cash flow or the option offering the best interest rate.
Apply for loan
- Get an estimate and apply online through Capitec’s website.
- Apply using the Capitec banking app.
- Alternatively, call Capitec on 0860 66 77 89.
- You can also visit a Capitec branch.
- Submit the required documents.
- Capitec assesses your banking history, credit history, income and expenses.
- If approved, choose the credit amount and repayment option offered to you.
FAQ
Can I get a loan from Capitec without a job?
The application requirements provided by Capitec include a latest salary slip and evidence of your latest 3 consecutive salary deposits when your salary is not paid into a Capitec account. Your loan application is also assessed according to income, expenses, affordability and credit profile.
How much will I get approved for Capitec Personal Loan?
You can apply for a personal loan of up to R500 000. The actual amount offered depends on your affordability, credit profile, banking history, income and expenses.
How to pay off Capitec Personal Loan?
The Capitec personal loan uses fixed monthly repayments for the agreed repayment period, which can range from 12 to 84 months. You can also manage your credit using the Capitec app.
How to cancel a loan application with Capitec?
The information provided does not specify a cancellation process for a loan application. For assistance, contact Capitec on 0860 66 77 89 or visit a branch.