Capfin offers South Africans unsecured personal loans ranging from R1,000 up to R50,000. Loan terms vary between 6 and 24 months, and interest rates are fixed between 5% and 28% per year, depending on your credit profile and loan amount. All fees and insurance are included in the total repayment, so you know what you will pay upfront. Capfin’s reputation stands out for its speed—successful applicants can get funds in their bank account within 48 hours.

How to Apply: Simple Step-by-Step

• Use the Capfin loan calculator to check your ideal loan amount and estimated repayments.
• Submit a short online application for loan pre-approval in minutes.
• If pre-approved, provide your financial details for an affordability assessment.
• Once approved, confirm your loan amount, supply banking details and documents, and Capfin processes your payout.

Pros Of Capfin Loans

Capfin allows you to borrow up to R50,000 with flexible terms and highly competitive rates for responsible borrowers. The application is online and hassle-free, with quick pre-approval and fast payouts.

The process is transparent; you can see all costs before committing. Additionally, Capfin has positive customer reviews highlighting ease of use and clear communication.

Cons Of Capfin Loans

The highest interest rate, although capped at 28%, can make the loan expensive for some. Approval and the offered amount depend on your affordability and credit profile.

As a fully online loan provider, those who prefer in-person service may find the process less personal. Strict documentation is needed to finalise your application.

Our Verdict

Capfin personal loans are ideal for individuals seeking a transparent, fast, and flexible personal loan option in South Africa. The rates are clearly structured, and the process aims for speed and simplicity, making Capfin a strong choice for many borrowers. If you want clarity, efficiency, and access to moderate sums, Capfin is worth considering for your next personal loan.