Capfin Loans
Get up to R50 000 with flexible terms of 6–24 months and fixed interest rates from 5%–27.75%. Fast approval, transparent fees, and coverage with credit life insurance.
Capfin Loans offers a solution for South Africans who need flexible funding for home renovations, studies, or starting a small business. You can borrow from R1 000 up to R50 000, and choose repayment over 6, 12, or 24 months. Interest rates are fixed, ranging from 5% (for shorter terms and returning customers) up to 27.75% per year. Monthly instalments are transparent and include all fees and Capfin Credit Life insurance for extra peace of mind. Approval is quick, with funds usually paid out within 48 hours after approval.
Como solicitar um empréstimo da Capfin
- Use the Capfin online loan calculator to choose your desired amount and term.
- Fill in a brief online form for a pre-approval check.
- After your pre-approval, upload your income and expense details for a full assessment.
- Once approved, complete your application by uploading any remaining documents and selecting your bank information.
- Receive your funds in about 48 hours if everything checks out.
Capfin Loan Pros
One of the biggest advantages is flexible loan amounts and terms, allowing you to tailor your repayments to suit your budget. The application process is digital, fast, and user-friendly with almost instant pre-approval feedback.
Additionally, the fixed interest and charges mean you always know what to expect every month, and the inclusion of credit life insurance brings financial security in case of unforeseen events.
Capfin Loan Cons
Capfin’s maximum interest rate of 27.75% can be high if you’re not eligible for their better rates, especially for loans over 6 months. The initiation and monthly service fees also add up.
Income and affordability checks are required, so not everyone is guaranteed to qualify, and the loan is subject to your personal credit assessment.
Nosso veredicto
Capfin Loans are a strong choice for individuals seeking quick, reliable funding with transparent costs and solid support. While some may pay a premium on interest, the streamlined process, flexible terms, and comprehensive insurance cover make it a competitive option in South Africa’s personal loans market.
