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get an online estimate

Complete the form and get an instant estimate of the amount you could qualify for. We'll call you to personalise your offer based on your need and credit profile.

Credit Products You're Interested In



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Personal Information

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verification

For your security, we need to confirm your identity. Help us by answering these 5 questions, which are based on your credit bureau information.

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The verification process was unsuccessful.

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verification failed

The verification process was unsuccessful.

It seems like you have answered one or more of the verification questions incorrectly again. Unfortunately, we cannot allow you to try again as this poses a security risk.

Please contact your nearest Capitec branch for further assistance.

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verification failed

The verification process was unsuccessful.

It seems like you have answered one or more of the verification questions incorrectly again. Unfortunately, we cannot allow you to try again as this poses a security risk.

Please contact us on 0860 667 789 or visit your nearest branch for further assistance.

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Unfortunately, you didn’t qualify this time

Why am I declined for credit?
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what you could qualify for

The estimate amount and interest rate is based on the maximum amount you could qualify for. Your interest rate can improve, should you take a smaller amount or choose a shorter term. The estimate is subject to a full credit assessment.

Personal Loan

Paid Into Your Bank Account Estimated Instalments Estimated Loan Term
R{{Estimation.fixedCredit.receivedAmount | numberSeperator}}* R{{Estimation.fixedCredit.instalment | numberSeperator}} {{salaryFrequency.toLowerCase()}}** {{Estimation.fixedCredit.term}} months
Max loan amount R{{Estimation.fixedCredit.maxLoanAmount | numberSeperator}} Credit insurance R{{Estimation.fixedCredit.creditInsurance | numberSeperator}} Initiation Fee R{{Estimation.fixedCredit.initiationFee | numberSeperator}}
Monthly fee R{{Estimation.fixedCredit.monthlyFee | numberSeperator}}

* Subject to consolidation of outstanding credit accounts

** Interest calculated at 25% interest. Personalised interest rate available after full credit assessment


Existing credit to be consolidated: R{{Estimation.debtToSettle | numberSeperator}}

Credit Provider Account Number Outstanding Balance Remaining Term (Months)
{{consolidation.provider}} {{consolidation.accountNumber}} R{{consolidation.outstandingBalance | numberSeperator}} {{consolidation.remainingTerm}}

important to know

  • Our interest rates vary from 12.9% - 27.75% for loans longer than 6 months, depending on the amount and term you choose
  • If you are interested, we'll call you and can complete the process over the phone
  • You can also visit a branch with your documents
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maybe later

No problem, you can always contact us if you change your mind

  • Phone us during business hours on 0860 66 77 89, or
  • Visit a Capitec branch
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interested

Thank you, we received your request. Next steps:

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Please have copies of the following documents:

  • Original identification document
  • Original proof of residential address
  • Latest salary slip
  • Stamped bank statement showing your latest 3 salary deposits
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visit a branch

No problem, you can complete the process at a branch. Next steps:

Please have copies of the following documents:

  • Original identification document
  • Original proof of residential address
  • Latest salary slip
  • Stamped bank statement showing your latest 3 salary deposits
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you also qualify for other credit options

You need to visit a branch to apply for the following:

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Possible limit amount R{{Estimation.flexibleCredit.minPossibleLimit}} - R{{Estimation.flexibleCredit.maxPossibleLimit}} R{{Estimation.flexibleCredit.possibleLimit}}
Interest rate {{Estimation.flexibleCredit.interestRate}}%
Instalment R{{Estimation.flexibleCredit.minInstalment}} - R{{Estimation.flexibleCredit.maxInstalment}} per month R{{Estimation.flexibleCredit.instalment}} per month
Credit insurance (when applicable) R{{Estimation.flexibleCredit.creditInsurance}}
Initiation Fee R{{Estimation.flexibleCredit.initiationFee}}
Monthly Fee R{{Estimation.flexibleCredit.monthlyFee | numberSeperator}}
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