Experience personalized financial solutions with Capfin, where you’re more than just a loan. Secure personal loans of up to R50,000 with flexible terms over 6, 12 or 24 months. Apply conveniently online, via SMS, or visit your nearest PEP Store today!


Plan Smarter with Capfin Personal Loan

With Nedbank Solar Finance, individuals can access loans ranging from R1,000 to R50,000, featuring flexible repayment options spanning 6, 12 or 24 months. The application process is straightforward and accessible, offering multiple channels such as online applications, SMS requests, or visits to PEP and Ackermans stores.

To initiate the application, applicants need their South African ID and the latest three payslips or bank statements. Repayment methods are convenient, primarily through debit orders, although bank deposits and in-store payments are also accepted. Notably, the loan includes a death benefit feature, providing peace of mind to borrowers. In the unfortunate event of the borrower’s demise, the outstanding loan amount is waived, easing the financial burden on their family. This unique feature, coupled with…


Requirements for Applying for Capfin Personal Loan

  • Must be 18 years or older
  • A valid South African ID;
  • 3 latest payslips or 3 latest bank statements;
  • Must be permanently employed and earning a monthly salary;
  • A valid cellphone number;
  • A valid bank account in Standard Bank, ABSA, FNB, Nedbank, Capitec or African Bank.

You may apply for a Capfin loan on their official website, via SMS or visit any PEP or Ackermans store nationwide.

Why Capfin Personal Loan is so Important and Why People Choose

People choose Capfin Personal Loan because it’s safe and easy to apply for. You create a profile with your SA ID and get a special code sent to your phone for security. Then, just follow the steps to complete your application. If your application is declined, you can try again after 30 days. They’ll check how much you can borrow based on your income and expenses. Once approved, you’ll get your loan within 48 hours. It’s a quick and reliable way to get the money you need.


Step By Step Guide To Capfin Personal Loan

  • Visit the Capfin website and choose Capfin Personal Loan.
  • Click here to apply for Capfin Personal Loan
  • Follow the instructions provided to upload your information and documents securely.
  • Alternatively, visit any PEP or Ackermans store nationwide to scan your documents.
  • Email your documents to [email protected], ensuring to include your SA ID number in the subject line after applying.
  • If faxing your documents, send them to 0866880000, noting your SA ID number as reference after aplying.
  • If you bank with ABSA, Standard Bank, or Nedbank, Capfin can retrieve your documents at no extra cost with your permission.
  • Once your documents are submitted, await further instructions or confirmation from Capfin regarding your application.

Pros and Cons of Capfin Personal Loan


  • Easy Application Process
  • No Hidden Fees and Interest Rates
  • Direct Bank Statements
  • 24/7 Access to Your Capfin Loan Account
  • Available Nationwide at PEP or Ackermans Stores


  • Interest Rates: Capfin may have higher interest rates, so borrowers should weigh the total cost before committing.
  • Loan Limits: Maximum loan amounts may not meet larger financial needs.
  • Repayment Terms: Short repayment terms mean higher monthly payments.
  • Late Payment Penalties: Missed payments could lead to additional fees.
  • Limited Payment Options: Alternative payment methods may be restricted.
  • Risk of Overborrowing: Easy access to funds may encourage borrowing beyond means.
  • Unavailable Online Application: Accessibility may be limited for those without internet access.
  • Limited Use of Funds: Funds may only be used for specific purposes.
  • Early Repayment Fees: Fees may apply for paying off loans early.

Fees & Taxes of Capfin Personal Loan

For example, if you choose a 6-month loan, selecting an amount of R8000, the costs will be:

  • Instalment: R961.80 (subject to a credit application and affordability assessment)
  • Capfin Credit Life: R3541,56
  • Total to Repay: R11541,56
  • Initiation Fee: R535

Customer service of Capfin Loans

  • Phone: 087 354 0000
  • Whatsapp: 066 000 0683
  • USSD: 1346454#
  • Email: [email protected]
  • Fax: 086 688 0000