---
title: "Capfin: Unsecured Personal Loans in South Africa"
description: "Capfin offers unsecured personal loans in South Africa up to R50,000 over 6–24 months. Apply online, by SMS, or in-store at PEP/Ackermans."
canonical_url: "https://liners.com/capfin"
markdown_url: "https://liners.com/capfin.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/capfin/screenshot.jpg?v=1782421144918"
published_at: "2026-06-25T20:59:10.479Z"
updated_at: "2026-09-20T03:01:46.097Z"
---

# Capfin: Unsecured Personal Loans in South Africa

Capfin offers unsecured personal loans in South Africa up to R50,000 over 6–24 months. Apply online, by SMS, or in-store at PEP/Ackermans.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Capfin](/capfin)

## Summary

Apply for an unsecured personal loan up to R50 000

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.capfin.co.za/ |
| Tagline | Apply for an unsecured personal loan up to R50 000 |
| Primary country | South Africa |
| Platforms | Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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).

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [South Africa](/countries/south-africa): Market

## Related pages

- [Alternatives](/capfin/alternatives)
- [Reviews](/capfin/reviews)
- [Transparency](/capfin/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/capfin)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)