Capfin offers South Africans reliable personal loans from R1,000 up to R50,000, with repayment terms ranging from 6 to 24 months. Interest rates are fixed, between 5% and 28% per annum, depending on your credit and affordability profile. This transparency ensures you know exactly what you will repay, including the initiation and monthly service fees.

The application process is designed for convenience. With Capfin, you can receive a quick pre-approval in under a minute and, if approved, access funds in your bank account within 48 hours. The flexibility and speed make it ideal for anyone needing urgent financing.

How to Apply for a Capfin Loan

• Use the Capfin loan calculator to pick your ideal amount and see estimated repayments.
• Complete a short online application and get a personalised pre-approval instantly.
• Submit your full financial info for a detailed affordability check.
• Once approved, upload your banking details and supporting documents.
• Funds are paid into your account, often within two days.

Pros of Capfin Personal Loans

One of the biggest advantages is how fast and easy the online process is. Most people get pre-approval in just a minute—and payout is quick.

Capfin is also trusted across South Africa, with thousands of positive reviews especially praising their transparent fees, fixed rates, and helpful support.

Cons of Capfin Personal Loans

Interest rates on the higher end, especially for longer or riskier loans, can reach 28% per annum. Always compare before committing.

You will need to provide thorough financial information, which some may find time-consuming. A strong affordability check means not everyone will qualify.

Final Verdict: Is Capfin Right for You?

Capfin is ideal for people who value speed, transparency, and South African customer service. If you need up to R50,000 and want to avoid complex paperwork, it’s a well-reviewed choice.

The online process is convenient, repayment is clear and predictable, and most users report positive experiences. Consider Capfin if you want hassle-free finance with quick access to funds.