Capitec Fixed-Term Personal Loan
4.9
/ 5.0 (Moniest Score)
•
Verified • South African Reserve Bank (SARB) & NCR • Checked Sep 2026
Interest / Fee Rate
13.5%
- 27.5%
Annual
Limits / Amounts
ZAR 250,000
Min: ZAR 1,000
Tenor / Duration
6 - 84 mo
Flexible repayment
Disbursement Speed
Same Day
Direct to account
Key Advantages (Pros)
- Fixed repayments that never change
- Flexible terms up to 84 months
- Includes Retrenchment and Death cover
Considerations & Limits (Cons)
- Requires proof of permanent employment
- Strict affordability checks per NCR
Moniest Research Verdict
Our In-Depth Evaluation
South Africa’s premier consumer credit solution for transparent rates and long tenors.
Capitec Personal Loans offer fixed monthly repayments with personalized interest rates calculated under the National Credit Regulator (NCR) guidelines.
Best suited for: Home renovations, education, debt consolidation
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