Capitec loan rates

Loan amount (R)25 00050 000100 000250 000
Term (months)12244884
Interest rate (%)12.90 – 24.5012.90 – 24.514.20 – 24.5016.30 – 22.40
Credit life insurance R/1000 per month4.00 – 4.504.00 – 4.504.00 – 4.504.00 – 4.50
Monthly service fee69696969
Once-off initiation fee (R)1 207.501 207.501 207.501 207.50
Monthly repayment (R)2 468 – 2 6232 618 – 29303 095 – 3 7075 815 – 6 884
Total repayment (R)29 616- 31 47162 834- 70 308148 566 – 177 945488 454 – 578 254

Please note that these are examples only. You can choose any term for your loan (up to 84 months) to make your monthly repayments more affordable. Your actual credit amount and credit interest rate will be based on your individual credit profile and affordability.


Credit card rates and fees

  • Initiation fee: R100
  • Monthly fee: R40
  • Interest rate: 7.00% – 17.50% (based on your credit profile)

Access facility rates and fees

  • Initiation fee: up to R300
  • Monthly fee: R0 (without active balance owing) R69 (with active balance owing)
  • Interest rate: 12.15% – 17.50% (based on your credit profile)

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