Capitec Personal Loan — published terms
Every accepted deal is an instalment credit agreement under the National Credit Act. Capitec Bank Limited must give you a pre-agreement statement and quotation before you sign. The table uses only figures Capitec has published on the calculator or the 29 May 2026 rates page. Anything else: check the lender / pre-agreement quotation.
Cited parameters
| Item | Published detail |
|---|---|
| Amount (calculator) | R1,000 – R500,000 |
| Term (calculator) | 7 – 84 months |
| Rate floor (rates page) | 12.50% a year |
| Example APR | 22% on R50,000 / 48 months |
| Example total | R84,811 |
| Example initiation | R1,207.50 |
| Example monthly service | R69 |
| Credit life | Illustration on that rates page |
| Currency | South African rand |
| Early settlement | Penalty not commonly stated; confirm quote |
Credit Facility is a different contract
A revolving Credit Facility can be reused after you repay. This personal loan is a single advance. Limits, APR and fees do not transfer between them.
Assessment
Capitec scores affordability under the NCA and reads TransUnion SA / Experian SA. Capitec publishes no minimum salary for this loan.
Legal identifiers
Capitec Bank Limited — NCRCP13, FSP 46669, registration 1980/003695/06. Head office on file: 5 Neutron Street, Techno Park, Stellenbosch, 7600. Queries: 0860 10 20 43, info@capitecbank.co.za.
