Loan amountUp to R 500 000
Repayment termUp to 84 months
Interest rateFrom 12.75%Annual interest, personalised

What to know at a glance

Flexible loan terms. A minimum loan amount has not been confirmed in this directory. Approval and your final terms depend on the lender’s assessment.

Fees and the full cost

Figures below come from the credit rates page effective 24 September 2026. Your written quote sets the final charges.

Initiation fee
R1,207.50 once off in the published personal-loan examples. No universal formula or explicit VAT breakdown is given in that table.
Monthly service fee
R69 per month in the published personal-loan examples. Confirm VAT treatment in your quote.
Credit life / protection
Published range: R2.58–R4.50 per R1,000 per month. The representative example uses R3 per R1,000 of the outstanding balance each month. Confirm your premium, covered events, exclusions and replacement-policy requirements in the policy schedule.

Compare your total repayment as well as the monthly instalment. Ask for a written quote showing the exact rate, initiation fee, service fees and insurance applicable to you.

A detail worth checking

The dated rates page (effective 24 September 2026) shows 12.75%; the general product page shows 12.50%. We use the dated rates page. The minimum depends on the loan amount and term. Minimum amount and term are not confirmed here.

Before you apply

  • Credit and affordability assessment
  • Proof of income and identification
  • Confirm your required documents with Capitec

What happens next?

The button takes you to Capitec’s official product page. You decide whether to start an application there. The lender may request documents, obtain consent for credit checks and assess affordability.

Browsing Fairloan does not constitute an application. We do not collect your identity number, documents or contact details, and we cannot predict approval.

Sources and registration

Registration information published by the lender: NCRCP13. This is not a live registry verification. Check the NCR register and confirm the legal entity before applying.