Capfin Personal Loan review: get a loan easily

With this loan you can apply online or in-store, with repayment terms of up to 24 months. Read this Capfin Personal Loan review and see if it's for you.


Capfin Personal Loan: Flexible repayment options and fast approval

Is Capfin a good lender? Read to find out! Source: The Post New.

If you need a personal loan in South Africa, look no further. With flexible repayment options and fast approval, it’s a great option. Here is our Capfin Personal Loan review.

Capfin Personal Loan

How to apply for Capfin Personal Loan

Ready to get a loan with fast approval and funding? Then read this Capfin Personal Loan application guide and get yours today!

If you need a personal loan in South Africa and have a less than perfect credit score, Capfin loans are a great option.  Read on and learn all you need to know about it.

  • Interest Rate: Depends on your credit rating.
  • Loan Purpose: Medical expense, buying a car, funding a vacation, and more.
  • Loan Amount: From R1,000 to R50,000
  • Repayment Terms: Up to 24 months.
  • Credit Needed: N/A
  • Initiation Fee: R535

How does Capfin Personal Loan work?

Capfin is a financial services company that offers customized personal loans up to R50,000 in South Africa.

One of the advantages of Capfin loans is that they offer innovative ways to apply for short-term loans. You can apply for a loan online or at any of the Pep or Ackermans stores. 

The company believes there are many ways a person can apply for a loan as compared to the old ways through the banking system. This makes it convenient for customers to access personal loans.

The loan calculator on their website helps you understand your loan application beforehand. Plus, you can easily get your cash loan in just a few minutes. 

You will know how much your monthly installment would be for the term of the Capfin loan and at what interest rate.

Capfin offers loans up to R50,000, but the amount is dependent on your credit score. The company categorized loan products for the user’s convenience. 

For example, you can get a loan of R1,000 to R8,000 over 6 months, or a loan of R8,000 to R50,000 over 12 or 24 months. These loan types are designed to meet different customer needs.

The company may charge initiation fees and admin fees for managing your loan account. The estimated installment excludes credit checks and affordability assessments by Capfin.

Applying for a Capfin loan is simple. If you prefer making your application online, visit their website and register an account. You can also take your ID book and latest payslips or banking statement to either Pep or Ackermans. 

The cashiers at the respective stores will help you with the loan application, which takes only a few minutes to process.

Capfin Personal Loan: should you apply for it?

Get the extra money to solve your financial situation. Source: Canva.

Now you are familiar with the details of this loan. However, our Capfin Personal Loan review would not be complete without a clear comparison of its pros and cons. Have a look at the list below.


  • Fast approval and funding
  • No collateral needed
  • Repayment terms up to 24 months
  • Can apply online or in-store


  • High interest rates for some
  • Additional fees charged
  • Limited loan amounts for some
  • Not available to everyone

What is the required credit score?

Capfin does not have a specific minimum credit score requirement to apply for a loan. Still, it will take your score into consideration when determining the loan amount and interest rate you qualify for. 

The company considers various factors beyond just credit score, such as your income and expenses, to determine your affordability and creditworthiness.

Learn how to apply for Capfin Personal Loan

Do you like what you have seen in this Capfin Personal Loan review? If so, it is time to take the next step and apply for your loan!

Click the link below to access our application guide and learn how to get the loan you need within just a few minutes.

Capfin Personal Loan

How to apply for Capfin Personal Loan

Ready to get a loan with fast approval and funding? Then read this Capfin Personal Loan application guide and get yours today!

About the author  /  Danilo Pereira

Danilo is a copywriter with a passion for learning. Deeply interested in philosophy, politics and arts.

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