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Capfin
An unsecured personal loan for South African consumers, offering up to R50 000 over 6 to 24 months with fixed interest, online calculator, and SMS or in-store applications.
Capfin Product Overview
Is Capfin Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- South African borrowers
- Unsecured personal loans
What It Does Well
- Unsecured loan offers
- Fixed interest loans
Things to Check
- Interest rate offered
- Eligibility requirements
About Capfin
Capfin – Personal Loan is an unsecured personal loan product for consumers in South Africa who need short to medium term credit and want to apply online, by SMS, or through partner retailers.
Key capabilities include:
- Loans up to R50 000 with repayment terms from 6 to 24 months and fixed interest rates (5% to 27.75% per annum) (calculated daily and capitalised monthly)
- Loan calculator that estimates monthly instalments and shows included costs such as VAT, initiation fee, monthly service fee, and Capfin Credit Life
- Multiple ways to apply: online application, SMS a South African ID number to 33005, or apply in-store at PEP and Ackermans outlets nationwide
- Online loan management via My loan account, including viewing loan offers, updating personal details, and uploading documents for finalisation
Available on Web.
Built for B2C borrowers in South Africa, particularly individuals who prefer a choice of digital and in-store application channels.
Notable in the South African market for its nationwide retail distribution through PEP and Ackermans, an end-to-end online journey with affordability assessment before final approval, and visible customer feedback including a 4.7 Google rating from 11,784 reviews (as shown on the website).
Capfin Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. Learn moreOperates In
Official Links
What it does
Pricing & Fees
Variable pricingPricing varies: loans up to R50 000; calculator shows Loan amount R1 000 to R50 000; terms 6, 12, or 24 months; example monthly instalment R302.94. Amounts shown include VAT and are intended as an estimate; subject to approval; for an accurate quote proceed with application.
Recent Reviews for Capfin
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Frequently Asked Questions About Capfin
Capfin is a South African unsecured personal loan product that lets you borrow up to R50 000 and repay it over 6 to 24 months at a fixed interest rate. You apply online, by SMS, or in-store at PEP or Ackermans, then Capfin does an affordability assessment and, once approved and finalised, pays the funds into your bank account (typically within 48 hours). You can then manage your loan and documents through your online Capfin profile.
Capfin is a paid, interest-bearing credit product that charges fixed interest (between about 5% and 27.75% per year), plus an initiation fee, a monthly service fee, and a Capfin Credit Life premium that is included in your instalment. Your exact cost depends on your loan amount and term, and you can use the online loan calculator to see an estimate of your monthly instalment and total repayment before you apply.
Capfin operates in South Africa only. You need a South African ID and bank account, and you can also apply in-store at South African retailers PEP and Ackermans.
You can sign up by applying online at capfin.co.za, by SMSing your South African ID number to the Capfin application SMS number, or by applying in-store at any PEP or Ackermans outlet. During the process you will create or use a Capfin online profile, submit your details and required documents, and then complete the affordability assessment if you are pre-approved.
Capfin does not offer a dedicated mobile app for Android or iOS. You access and manage your Capfin loan through the mobile-friendly website instead.
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