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Capitec Personal Loans


Capitec personal loans range from R150 000 to a maximum of R230,000, which can be used for personal purposes such as house construction, car purchases and the similar expenses. The maximum repayment period is 84 months or 7 years.

Capitec personal loans are somewhat unusual amongst the bigger financial institutions as you can apply for them online – there’s no need to visit a branch, since Capitec aims to make their credit application process as easy as possible..

For shorter and smaller personal loans, Capitec offers their MultiLoan solution which is essentially a monthly loan of up to R 4000 that you can use to cover daily needs or emergencies. This loan has to repayed in full each month and renewal is subsequent to an annual review process.

Capitec doesn’t provide a minimum salary cut-off for their loan application, but you will need 3 mths salary slip and proof of residence in order for your application to be eligible.

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