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Capitec loan application

Securing a loan often begins with confirming your eligibility and gathering the right documents. For individuals considering Capitec, a clear understanding of their specific requirements is paramount. Applying for a loan can be a significant step toward achieving personal and financial milestones, and Capitec Bank offers various options to support these aspirations. From revolving credit to home financing, understanding the application process and requirements is vital for a favorable outcome.

Capitec loan application hinges on meeting the age and employment criteria, having the correct identification and income verification documents, and maintaining a healthy financial standing. By carefully preparing all required paperwork and understanding the different loan products, applicants can streamline the process. Adhering to these guidelines will significantly increase the likelihood of approval and help avoid common delays or rejections, ultimately putting you closer to achieving your financial goals.

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Capitec loan application eligibility

Before you apply for credit, make sure:

You are 18 years or older
You are permanently employed, self-employed, earn other income or earn a pension, The minimum income requirement for a credit card application is R5 000, and R10 000 for self-employed clients
You have your original SA ID document
Your latest salary slip
A bank statement showing your latest 3 consecutive salary deposits (only if the salary is not paid into your Capitec account)
You haven’t been handed over, sequestered or placed under debt review/administration

Capitec loan application what you can apply 2026

choose from the following to apply for a loan.

Access Facility

Get access to revolving credit of up to R500 000.

Personal Loan

Apply on our app or online, no branch visit needed.

Credit Card

Apply online, get free delivery and cash back on your spend.

Home Loan

Apply for a Home Loan online or on our app in 4 easy steps.

Document you will Need Capitec loan application

Employed

Email these documents (for both applicants if applicable) to Info@capitechomeloans.co.za after submitting your application.

Latest 3 months’ salary slips
Latest stamped 3 months’ personal bank statements
Copy of your ID document
Copy of marriage certificate or antenuptial contract (ANC)
Copy of the offer to purchase
Personal assets & liabilities statement for loan amounts over R2 500 000

Self-employed

Email these documents (for both applicants if applicable) to Info@capitechomeloans.co.za after submitting your application.

Proof of income: Letter of drawings from an accountant
Latest stamped 6 months’ personal bank statements
Personal assets and liabilities statement
Latest stamped 6 months’ business account bank statements
Latest 2 years’ annual financial statements

Where annual financial statements are older than 6 months to date, current management accounts not older than 2 months signed by the applicant and accountant must be provided in addition to the annual financial statements

Copy of your ID document
Copy of marriage certificate or antenuptial contract (ANC)
Copy of registration documents or trust deed
Copy of the offer to purchase

Capitec loan application How to Apply

Estimate how much you want and what repayment term works via Capitec’s website or app.

Choose application method: online, via app, or visit a branch.
Fill out the application: personal info, employment, loan amount etc. Upload required documents.
Capitec will do a credit and affordability assessment (income vs expenses vs existing debt).
If approved, you’ll need to approve a “DebiCheck” debit order.
Once everything is approved, the funds are deposited into your bank account.

What to check / what can cause delays or rejection

If your expenses and existing debt repayments already consume a large part of your income, you may be declined.
If you’re blacklisted or in debt review, you usually cannot get new credit until cleared.
Missing or late documentation will delay processing.
If your salary doesn’t go into a Capitec account, they’ll need proof of salary deposits.

Credit comparison tips

Look at the total repayment amount over the full term
While the interest rate is an important factor, don’t let it be the only one
Understand the fees (once-off initiation fee and monthly service fee) and consider credit insurance (we offer this free on loans 6 months or longer)
Download our free Good for Credit booklet for tips on how to handle credit

Proactive preparation and attention to detail will optimize your chances of approval, allowing you to access the financial support you need. Visit official website here

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Frank Oduro