How to Apply for a Capitec Online Personal Loan


If you are looking for  a lender that s going help you buy your next large purchae,  a Capitec Online Personal Loan might be for you.  You can use the money you obtained from the Capitec Online Personal Loan for emergency expenses, remodelling your home, throwing out large events such as weddings, and travelling with your family. You can also obtain a loan for consolidating your debts.  

There are a variety of resons why you might be in need of a loan, and there are many loan companies out there. It is best that you sit down and write down what you want from your new loan. Once you know exactly wat you need, it will be easier to find it.

Our editors have dug into the Capitec Online Personal Loan and found the details you need to know. Read the details down below carefully and weigh them against what you wrote on your needs list. Once you see the Capitec offerings below, you will better be able to make a decion about your next steps.  


Want a personal loan from a lender with advanced features? Capitec Online Personal Loan is your best option. Here's how to apply...

What are the Benefits of a Capital Online Personal Loan? 

Before applying, you can find out the breakdown of the amount that you should repay using the bank’s personal loan calculator.The bank also offers an extended repayment period from one to 84 months, depending on the amount of your loaned money. This feature will give you the freedom to choose the repayment period.


With its advanced facilities, Capitec can approve your application in minutes. You can also receive the money immediately. You can also manage your credit by using the bank’s mobile app, which also contains advanced features that will help you put your finances in order.    

You can also avail of the bank’s affordable credit insurance, which includes retrenchment and death coverage. This service can safeguard your family from settling your remaining loan balance these unfortunate times.Are you interested in getting a Capitec Online Personal Loan? Feel free to check the bank’s application process and requirements.

What are the Fees for a Capitec Loan?

You should take note of certain fees. One of them is a one-time initiation fee worth ZAR0 to ZAR 1,207.50. You must also pay a monthly administrative fee worth ZAR35 to ZAR69.

Capitec charges its loan customers with an annual interest rate between 12.90% and 27.75%, which will depend on your credit history, financial status, and other considerations.

In summary, ordering a Capitec Online Personal Loan allows you to obtain additional money for emergencies and upcoming major events that you can settle in acceptable terms using the banks advanced tools.

Capitec Online Personal Loan

How to Apply for a Capitec Online Personal Loan? 

You can request a personal loan by filling out a form on the Capitec website. You may need to prepare other requirements from the bank such as a proof of identification like valid ID that shows you are 18 years of age or older. You should also present other documents proving you are a citizen or permanent resident of South Africa. You should also have your payslips and other proofs of income ready. To ensure approval, you may also need to have an above average credit score.

You can loan from ZAR1,000 to ZAR250,000, that you can repay from one to 84 months. The amount you are loaned will depend on your credit history.

Once Capitec approves the application, you will receive your loaned money from the bank account you provided on the form.


How to Contact Capitec 

Head office

Carlton Centre,

150 Commissioner St, Marshalltown,

Johannesburg, 2001, South Africa 

Telephone: 00 27 21 941 1377


Note: There are risks involved when applying for and using a credit card. Consult the bank’s terms and conditions for more information.