Capfin’s personal loan solution is designed to help South Africans take financial control with minimal hassle. Loan amounts range from R1,000 to R50,000, repayable over 6, 12, or 24 months, at fixed interest rates between 5% and 28% per annum. You can secure pre-approval in minutes, making this a practical choice for both urgent and planned expenses.

How to Apply for a Capfin Personal Loan

• Use the online loan calculator to find your ideal amount.
• Complete and submit the application form for instant pre-approval.
• Provide your income and expense details for an affordability check.
• Upload required documents and confirm your banking details.
• Once final approval is granted, funds can be paid out within 48 hours.

Advantages of Capfin Loans

Capfin stands out for its straightforward, paperless process, helping you skip long queues and paperwork. Fixed rates mean repayments won’t change over your term.

Furthermore, most applications receive pre-approval within minutes, ensuring a stress-free solution for urgent financial needs.

Cons to Consider

While the application process is smooth, only individuals who pass the affordability check will qualify. Not everyone may receive the full amount requested.

Additionally, interest rates can run as high as 28% based on your risk profile, which may impact the total repayment for some borrowers.

Our Verdict

Capfin’s transparent loan structure and quick response times make it a sound option for eligible applicants. If efficiency and clear terms matter to you, Capfin is worth considering.