Capitec Bank
Capitec Bank offers personal loans from R1,000 - R250,000 with 19.5% APR. NCR-registered lender with flexible repayment terms.
About Capitec Bank
Capitec Bank is an NCR-registered credit provider offering personal loans to South African consumers. With loan amounts ranging from R 1 000 to R 250 000 and flexible repayment terms, Capitec Bank provides accessible credit solutions.
Loan Details
Loan Amounts
Repayment Terms
Interest Rate
Representative example. Actual rate depends on your credit profile.
Key Features
Eligibility Requirements
- ✓ Age 18-65 years
- ✓ South African citizen or permanent resident
- ✓ Minimum monthly income R2,500
- ✓ Valid bank account and ID
- ✓ Clear credit record
- ✓ South African bank account
- ✓ Valid ID document
Advantages & Disadvantages
✓ Pros
- • Lowest APR in market from 11.75%
- • Largest branch network with 850+ branches
- • Up to R250,000 loan amount
- • Flexible repayment terms up to 60 months
- • Excellent mobile app with 4.5★ rating
✗ Cons
- • Strict credit requirements
- • Longer approval process (24-48 hours)
- • Must be existing Capitec client for best rates
Frequently Asked Questions
How much can I borrow from Capitec Bank?
You can borrow between R 1 000 and R 250 000, depending on your credit profile and affordability assessment.
What is the interest rate?
Capitec Bank offers loans with an APR example of 19.5%. The actual rate you receive will depend on your individual credit assessment and affordability.
How long are the repayment terms?
Repayment terms range from 1 to 60 months, giving you flexibility to choose a term that suits your budget.
Is Capitec Bank registered with the NCR?
Yes, Capitec Bank is a registered credit provider with the National Credit Regulator (NCR), ensuring compliance with the National Credit Act.
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View All LendersDisclaimer: Credizen is a comparison platform and not a lender. We receive compensation from Capitec Bank when you apply through our site. Loan approval and terms are subject to Capitec Bank's credit assessment and affordability checks.
Responsible Lending: Before applying, ensure you can afford the monthly repayments. Defaulting on credit agreements can negatively affect your credit score. This information is provided for comparison purposes only. Always read the terms and conditions from Capitec Bank before accepting a loan offer.