Capfin Personal Loans make getting funding for life’s big and small goals simple and quick. Loans range from R1,000 up to R50,000, repayable in clear terms from 6 to 24 months. The interest rates are fixed between 5% and 27.75% per annum, and there are no hidden fees—everything is communicated upfront.

How to Apply: Step-by-Step

1. Use the loan calculator to pick your loan amount and term.
2. Complete the short online form for instant personalised pre-approval.
3. Submit your income and expense info for an affordability assessment.
4. After approval, select your amount, upload documents, and give your banking details.
5. Funds are paid out, often within 48 hours.

Pros of Capfin Loans

Capfin stands out with its user-friendly process and fixed rates. You always know what you’ll pay thanks to transparent fee structure, and funds arrive quickly—often within two days. The simple online calculator helps you plan with confidence.

You can borrow a generous amount, making it handy for anything from starting a side hustle to covering emergency expenses. Flexible terms mean your monthly repayments are manageable and tailored to your needs.

Cons of Capfin Loans

While the interest rate can be as low as 5%, it can go up to 27.75% per annum depending on your risk profile. This may not be the most affordable option for everyone, especially if you have strong credit.

Also, success hinges on passing a thorough affordability assessment. Those with poorer credit or inconsistent income may not qualify for the higher amounts or lowest rates.

Verdict: Is Capfin Right for You?

If you want a hassle-free, transparent personal loan with fast approval, Capfin is a solid choice in South Africa. For those needing up to R50,000 with predictable repayments, their loans are accessible and easy to manage.