Capfin loan in South Africa with fast approval, up to R50,000 and easy repayments
Apply online, by USSD or at Ackermans and PEP for Capfin personal loans in South Africa up to R50,000, with transparent fees, affordable 6 or 12 month instalments and approval often within 48 hours
Capfin loan: quick overview and top benefits
Capfin loan is a popular personal finance option in South Africa, offering quick access to funds up to R50,000 with clear terms and no hidden costs. The product is built for everyday South Africans who need short-term relief or small to medium personal financing.
With a Capfin loan you get responsible lending checks, a free death benefit and flexible 6 or 12 month instalments that suit salaried workers across Jozi, Cape Town and Durban. Transparent fees and a straightforward repayment schedule make the Capfin loan easy to plan for.
How to apply for a Capfin loan
Applications for a Capfin loan can be completed online at the Capfin website, via USSD (*120*5566#), by SMS to 33005, or in person at Ackermans and PEP till points nationwide. The process asks for your South African ID, recent payslips or bank statements, a valid bank account and a mobile number.
Most applicants receive feedback fast — approval often within 48 hours — and funds are paid into your bank account shortly after acceptance. The multi-channel application (web, USSD, SMS or in-store) makes the Capfin loan accessible even if you prefer to apply from your phone or at a local store.
Repayments, interest and account management
Repayments for a Capfin loan are set over 6 or 12 month instalments, with a clear breakdown of interest and service fees shown up front. You can set a debit order to ensure on-time payments and avoid extra charges, and manage your account online using your ID and OTP.
Capfin loan interest rates are presented transparently so you know the total cost before signing. Use the Capfin loan calculator to estimate monthly instalments and compare scenarios — it helps you choose the R amount and term that fits your budget.
Eligibility, support and next steps
To qualify for a Capfin loan you must be 18 or older, permanently employed, have a valid South African ID and bank account, and supply the latest payslips or three months of bank statements. Capfin assesses affordability carefully to ensure repayments are realistic for your income level.
If you need help, call Capfin customer service on 087 354 0000, email info@capfin.co.za or use SMS help lines; store staff at Ackermans and PEP can also guide you through the application. Ready to apply? Choose the channel that suits you — online, USSD or in-store — and get a Capfin loan decision fast so you can sort your finances with confidence.