The official calculator cites R1,000 to R500,000 and terms from 7 to 84 months. Approval still depends on the National Credit Act affordability assessment. Check the lender / pre-agreement quotation for the amount you are actually offered.
Capitec Personal Loan
Capitec personal credit in South Africa: public calculator cited R1,000–R500,000 over 7–84 months; rate personalised (published floor 12.50% a year on the May 2026 rates page). Confirm the pre-agreement quotation in the Capitec app.
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Frequently Asked Questions
Pricing is personalised. A rates page dated 29 May 2026 showed a floor of 12.50% a year and an example of R50,000 over 48 months at 22% costing R84,811 in total (including initiation R1,207.50, monthly service R69 and a credit-life illustration). Your APR is the rate on the quotation, not those examples.
No. The personal loan is a lump-sum instalment contract with a defined term. Credit Facility is a revolving line you can draw, repay and redraw. Limits, APR and fees do not carry across. Do not apply for one if you meant the other.
Yes. Affordability work under the NCA uses bureau files at TransUnion SA and/or Experian SA. A hard enquiry can appear on your credit report. Ask Capitec which bureau was used if you need to raise a dispute.
An early-settlement penalty is not commonly stated on this product. Still request a settlement quotation in the app, at a branch, or via 0860 10 20 43 / info@capitecbank.co.za so you pay the correct remaining balance.
Capitec Bank Limited, NCRCP13, FSP 46669, company registration 1980/003695/06. Confirm the NCR record on ncr.org.za before you sign.
Use the Capitec banking app or visit a branch. Existing clients often see an offer in-app. The official page is https://www.capitecbank.co.za/personal-banking/credit/personal-loans/. Read the NCA quotation before you accept.
Applications start in the Capitec app or at a branch. Capitec names the receiving account on the credit agreement, so if your salary account sits at another bank, confirm the payout route before you accept the quotation.
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Capitec Personal Loan — Visit bank
Capitec personal credit in South Africa: public calculator cited R1,000–R500,000 over 7–84 months; rate personalised (published floor 12.50% a year on the May 2026 rates page). Confirm the pre-agreement quotation in the Capitec app.
Visit website
This button goes straight to the lender. There is no partner link here and we earn nothing from the click. The rating on this page is an editorial score.