Rating based on 5 reviews


  • Personal Loans up to R50,000
  • Low-interest starting from 5%
  • Repayment up to 12 months

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Capfin  homepage
Author Capfin . Screenshot of Capfin website.
[Accessed May 5, 2023]

About Capfin

Founded in 2010, Capfin advances its vision of providing customers with affordable solutions.

They continue to surpass customers’ expectations, with friendly service and responsible lending. From a team of 3 to over 1000 people, Capfin has grown into an international company.

All about empowering people

Capfin is not just a short-term lender - they’re driven to deliver a service above and beyond, to help change their customers’ lives.

Capfin was founded on the principle that credit should be easily accessible to everyone and affordable and they'll continue to hold this core belief.

Partnering with Ackermans and PEP to provide convenience and reliable customer services, Capfin is aligned with some of the most trusted brands in South Africa. This ensures they deliver outstanding service from a team of dedicated professionals.

Stakeholders of Capfin SA

Capfin is a subsidiary of Pepkor, which is listed on the Johannesburg Stock Exchange.

An award-winning brand

Capfin is an award-winning, fast-growing independent credit provider in South Africa. Customers are empowered to live their best lives through short-term unsecured loans which are accessible, simple to use, and affordable.

Putting customers’ needs first, their approach to lending is established in accountable, ethical credit policies. Capfin was recognized as the most trusted brand by the Sunday Times Top Brands Awards in the category of microlending in 2018 and 2019.

Capfin won first place in two categories at the annual Contact Centre Management Group awards in 2018. They also secured first place at the Business Process Enabling South Africa awards for the Best Captive Contact Centre in both 2015 and 2016. 

Capfin Services

Capfin offers personal loans of up to R50,000 over 6 to 12-month terms, depending on the results of your affordability assessment.

Factors such as your monthly income and budget are considered when making this decision. The definition of affordability is the extent to which something is affordable in terms of cost, relative to what you can afford.

Advantages you’ll enjoy with Capfin

Capfin now offers online, SMS, and in-store applications, a business model which is intended to offer you maximum convenience. Capfin now also offers free Wi-Fi on taxis as introduced by Indaba Billboards and Media. Taxis are branded and the first thing customers see on logging in is the Capfin advertisement.

Credit can be accessed digitally when you apply online and with an internet connection you can apply for a loan anywhere, any time. The Capfin loans application is safe and personal details are protected, in line with the Protection of Personal Information Act (POPIA).

If you don’t have internet access, you can still apply by sending an SMS or visiting PEP or Ackermans, where the cashier will guide you through the process. Afterwards, you just wait for your SMS.

There are no hidden costs and all charges will be communicated to you. Communication with Capfin is available in English, Afrikaans, isiZulu, isiXhosa, and Sesotho.

Capfin has brought banking services within reach of ordinary people and believes their way is better than going to banks, for many reasons, for instance, no standing in long queues and Capfin will call you, and the consultants speak all 11 official languages. Clients are also given 24/7 access to CapfinDirect, which is a self-service tool, to manage their money after hours better.

In addition, you're encouraged to let Capfin know how it can improve its services. Capfin is always on the lookout for new ways to improve its customers’ lives, from cellphone and internet applications to new financial services.

Capfin – Personal Loan

  • Loan Type Personal Loans
  • Interest Rate 528.75% p/a
  • Loan Amount up to R50,000
  • Repayment 6 months to 12 months

Benefits of Capfin

  • Quick online application process
  • No hidden fees
  • Affordable personal loans

Personal Loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Capfin's quick and easy online loan application

Capfin is a registered credit provider that strives to adhere to The National Credit Act (No 34 of 2008). The Act was brought in to promote the social and financial welfare of all South Africans.

It promotes a clear, just, competitive, and attainable credit market and industry, reliable services to consumers, and redresses if things go wrong.

Capfin offers transparent loan products and services without any hidden costs. It’s simple to manage your Capfin loan as you’re permitted to access it at any time.

Capfin also offers early loan settlement. You have the right to terminate the contract at any time by prepaying the outstanding loan balance ahead of schedule, with or without notifying Capfin.

In line with the NCA, Capfin requires the following before approving your credit:

  • Valid ID
  • Payslips /OR bank statements for the previous 3 months
  • Permanent employment
  • South African phone number
  • Valid South African bank account that receives your salary and;
  • You are 18 years or older

Quickly get your Capfin loan

With 3 ways to apply, you are guaranteed to find an application process that suits you.

  1. Online application: Go to Capfin's website and hit the “Apply Now” button. Before you start, you must create an account, if you don’t already have one. This is done simply by providing your details, such as full name, ID number, email address, and phone number. The process is then completed by uploading copies of the required documents and following the prompts.
  2. Mobile phone application: Simply send an SMS and they’ll call you back.
  3. PEP application: If you have a PEP store nearby, you can just walk in and apply for a PEP Capfin loan at the till. The cashier will guide you through the steps. Then just wait for your SMS.

Submitting documents to Capfin

  • When applying online, you can upload the documents by selecting the “Upload” button.
  • If you apply via Ackermans or PEP, a cashier will scan the documents for you.
  • After applying you can attach the documents in an email with your written ID number as a reference.
  • If you bank with ABSA, Standard Bank, or Nedbank your documents can be easily accessed, with your permission.

The personal loan approval process is quick and you can expect money in your bank account within 48 hours.

man holding thumbs up

Capfin is a trusted & reliable provider of personal loans

In our review, Capfin adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ Capfin is a registered credit provider in South Africa: NCRCP 11812

Capfin Contact

Physical Address

  • 1 Industrie Street Kuils River Cape Town Western Cape 7580 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday 08:00 – 16:00
  • Sunday – Closed