Capitec medical loans offer up to R500,000 for healthcare expenses, with an 84-month repayment period and discounted interest rates. Easy online application.

Mediclinic partners with Capitec Bank to offer financing for medical care. Operating in various private hospitals across South Africa, Mediclinic prioritizes quality care and patient well-being.


Capitec Bank Medical Loan simulation

All the charges of this loan are customizable based on the amount you need. You can get an estimation by submitting your required amount and contact details.



You must submit some necessary documents to get the Capitec medical loan. Those are given below:

  • A valid South African ID;
  • Your age must be at least 18 years or older;
  • Have to submit your latest 3 sequential salary slips;
  • A quote or invoice from the service provider, not older than 30 days;
  • If your salary is not paid into your Capitec account, you have to submit a bank statement showing your latest 3 salary deposits.

About the Capitec Bank

Capitec is a retail bank in South Africa. It provides all types of financial banking services in South Africa. It stood as the second-largest bank in South Africa in 2017. Approximately 120,000 customers open new accounts in this bank every month.

Capitec Bank was founded by Jannie Mouton, Michiel Le Roux, and Riaan Stassen in 2001. It was listed on JSE in 2002.

Currently, this bank is operating with 860 branches and 15451 employees. It is working for 20 million active clients. Mastercard and Visa are the international payment partners of this bank.


Step by step to take out the loan

You can choose an option that suits you best to apply for this loan.

  • Apply online directly from the website;
  • Visit any branch.

It will take 3 easy steps to complete the online application and to see if you qualify. If you are qualified,  a consultant will contact you to complete your application.

Positives and negatives of the loan

The positive sides of this loan are:

  • You can borrow up to R500 000 in credit;
  • Get revolving credit for ongoing medical expenses;
  • It comes with a repayment term up to 84 months;
  • Comes with a discounted prime interest rate;
  • The steps to apply for this loan are very simple.

Negative sides of this loan:

  • Must be 18 years old;
  • Have to submit a lot of documents including a pay slip.

What other types of loans does the bank offer?

Capitec Bank has a variety of loans to offer for personal and business. Some other personal credit solutions from Capitec are listed below.

  • Personal Loan: Capitec personal loan offers you to borrow up to R500000 with a personalized interest rate. The loan will be approved within minutes so you will get access to the money immediately.
  • Home Loan: To buy your first home or switch your existing home loan, you will get access to credit in 4 easy steps. It comes with a competitive interest rate depending on your profile, and up to 50% off bond attorney fees.
  • Vehicle Loan: Get up to R500000 to purchase any vehicle you want. This loan comes with a prime interest rate. Choose from Capitec vehicle partners and apply for credit.
  • Education Loan: Capitec Bank has a credit solution for educational purposes. You can borrow up to R500000 to pay for any South African-registered institution. This covers tuition fees and other expenses such as textbooks expenses.
  • Home Improvement Loan: Whether you are building a new home, renovating your home, or trying out a DIY activity, the Capitec home improvement loan will ease the process by allowing you credit. The home improvement loan comes with a discounted interest rate and you can borrow up to R500000. The loan has repayment terms of up to 84 months.

Fees & fees

It comes with a market prime interest rate. No information was found on their official website. As this loan is customizable on need, you can contact them for details.

Customer service

For personal banking solutions call them at 0860102043 and for business banking call them at 0860309250 or WhatsApp them at 067 418 9565.

For personal banking

Client care center

  • Call them 24/7 at 0860 10 20 43;
  • WhatsApp at 067 418 9565;
  • email at [email protected];
  • fax them at +27 21 941 0770.

To apply for personal credit or if you have a query:

  • Call them at  0860 66 77 89;
  • To get help with your credit repayments: WhatsApp them at 072 822 1582, or send an SMS with your SA ID or foreign passport number to 30679;
  • Directly call them at 0860 66 77 18.

Lost or Stolen card complaints (to stop your banking card):

  • Contact them on WhatsApp at 067 418 9565;
  • Message them “Hello”;
  • Tapt ‘Main Menu’ and select the Self-service;
  • Click on the ‘Options’ button and select the ‘Stop Card option’;
  • From the ‘Card List’ select which card you would like to stop.

For Business Banking

Ask them on general queries:

  • 24/7 available at 0113 02 04 00 or 0860 30 92 50;
  • The business banking relationship suite contact no is 0860 30 92 50, available from Monday – to Friday from 6:30 am to 7 pm and on Saturdays from 8 am to 12 pm;
  • Email them at [email protected].

The headquarters of this bank is located at 5 Neutron Rd, Techno Park, Stellenbosch, 7600, South Africa. Capitec has branches nationwide. Find the Capitec branches near you.



Capitec Bank has online banking facilities with their mobile app and website. The two different apps for personal and business uses are available in Apple Store, Play Store, and Huawei App Gallery. You can download personal banking and business banking apps from their website as well.