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 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.