Capitec offers a transformative banking experience by seamlessly integrating personal and business financial solutions. Their services range from user-friendly online banking to customized credit options, providing a comprehensive suite of tools to elevate your banking experience.
With a focus on innovation and customer-centric solutions, Capitec aims to redefine the way individuals and businesses manage their finances.
Personal and Business Banking Made Easy
Online Banking
Embrace the convenience of online banking with Capitec. Whether you are overseeing personal finances or conducting business transactions, our user-friendly platform offers a seamless and secure way to manage your banking needs.
Experience the ease of accessing and controlling your finances with Capitec’s online banking solution.
Credit Solutions for Every Need
Capitec provides a variety of personalized credit solutions tailored to meet your specific requirements. Whether you need credit for personal expenses or business endeavors, Capitec aims to offer flexible and customized options to suit your financial needs.
Their commitment to adaptability ensures that you can access credit solutions that align with your unique circumstances.
Personal Loans
You can apply for personal loans of up to R500,000 through our app or online platform, eliminating the necessity for branch visits. Capitec’s streamlined application process allows you to access significant loan amounts conveniently and efficiently, all from the comfort of your own device.
Credit Cards
Acquire a credit card with the added convenience of free delivery and cashback on your expenses by applying online with Capitec.
This streamlined online application process not only provides you with a credit card but also ensures that it is delivered to you at no additional cost. Additionally, the cashback feature enhances your overall financial experience, offering rewards for your everyday spending.
Home Loans
Discover the simplicity of our four-step process to ascertain the amount you can secure for your home loan, all achieved without the burden of extensive paperwork.
Capitec aims to make the home loan application process hassle-free, allowing you to navigate through the steps effortlessly while minimizing the documentation requirements.
Education Loans
Invest in a brighter future with Capitec’s affordable education loans, catering to your educational needs or those of the next generation. Our commitment to providing accessible and affordable financial solutions extends to education, ensuring that you can pursue learning opportunities without unnecessary financial constraints.
Capitec’s education loans are designed to support your aspirations for personal and academic growth.
Multiple Income Credit
Capitec acknowledges diverse income sources and caters to freelancers, ensuring that even if you have multiple income streams, you can qualify for up to R500,000 in personal credit.
This inclusive approach recognizes the evolving nature of work and income, providing flexibility for individuals with various employment arrangements to access significant credit amounts based on their unique financial profiles.
Vehicle Loans
Secure financing for your first car and enjoy the freedom of the road.
Purpose-Based Loans
Realize your dreams with purpose-based loans for education, home improvement, medical expenses, and more.
How to Apply
- Qualifications:
- Age 18 and above with stable income
- Permanent employment or pension reception
- Minimum monthly income: R5,000 (R10,000 for freelancers)
- Application Options:
- WhatsApp: 067 418 9565
- Call: 0860 66 77 89
- Online or through our app
- In-person at a branch
- Documents Required:
- Original SA ID
- Latest payslip
- Bank statement with the last three consecutive salary deposits
Credit Terms and Rates
| Fee Type | Credit Card | Term Loan | Access Facility |
| One-time fee | R100 | R1,207.50 | Up to R1,207.50* |
| Monthly fee | R50 | R69 | R69 |
| Interest Rate* | 11.75% – 22.25% | 13.75% – 29.25% | 13.75% – 22.25% |
| *Based on affordability | |||
| **Maximum amount, based on affordability |
Free Money Guide
Download our free Money Guide for valuable insights on managing credit, understanding affordability, comparing offers, and dealing with debt-related challenges.
Tools and Resources
Qualify for Credit:
- Learn about the eligibility criteria and easy online application process.
Credit Tools:
- Instantly determine your credit qualification or calculate monthly repayments based on interest rates.
Credit Insurance:
- Explore affordable credit insurance options for credit cards, access facilities, or personal term loans.
Credit Calculator:
- Use our simple calculator to estimate costs and monthly instalments based on your desired amount and term.
Conclusion
Capitec Bank is your authorized financial partner, providing a range of services for personal and business needs. Simplify your banking experience and achieve your financial goals with Capitec.
