Find the best loan of South Africa Compare the best loans of South Africa and find the lowest rate

Capfin Top up Loan | Increase your Loan | Compare Options

Capfin was established in 2010 in South Africa with the objective of providing affordable credit services. Over this decade, the company has grown and is one of the main short-term loan providers in the country. Today, we will talk about their loans: how they work, how much you can ask for, how you can top up a loan, what the requirements are and if you can skip payments.

Can I top up my Capfin loan?

If you thought that asking for a loan was an impossible task, you were wrong. There are companies that work hard in order to offer more and more South Africans with the opportunity of accessing credit. Not everybody has the possibility of affording the things and services they need without finance. Some of us need to take out loans to buy our furniture, for instance, or to put our children through school. There are many reasons for us to need a loan.If you want, you can apply for a loan at Pep Stores.

Fortunately, Capfin offers short-term loans that are easy to request. At this company, you can request a maximum amount of R 50,000 and choose repayment periods of 6 months or 12 months. Another benefit of asking for a loan at Capfin is that if you need and qualify for it, you can ask for a top up loan. What does this mean? This means that if you need to increase the amount of your loan, you can do so without the need of waiting for the loan to be cancelled.

If you take out a loan at Capfin, every month, you will receive an SMS informing you about the amount you have available to borrow from Capfin. Also, you will be able to call Capfin to receive more information or to start your application for your top up loan.

Are there Extra Costs on my Capfin Loan other than Interest Rates?

When you ask for a loan at a financial institution, there are certain costs involved. You should remember that these are companies that are looking to make a profit out of the service they provide. So, when you ask for a loan at Capfin, or at any other company or bank, you should bear in mind that the loan will have an interest rate and certain fees. These fees are usually an initiation fee and a service fee. Fees charged by these institutions are regulated by the National Credit Regulator and cannot be higher than the numbers approved by this governmental institution.

Rates are also regulated by the NCR, there are also maximum percentages to be established on each loan. However, the interest rate you will get will depend on your income, your credit history, and so on. It is very important that you know ask for loans in reliable companies such as Capfin which since are regulated, they comply with certain regulations and standards that were established to safeguard consumers’ best interests. 

How to Use Capfin Multi Loan Calculator?

If you want to apply for a loan at Capfin but you are not sure as of what amount you can safely ask for, you should definitely take advantage of Capfin loan calculator. When you use this calculator, you enter an amount of money you wish to borrow and you choose from the two options of repayment offered by Capfin. Then, the system automatically tells you how much you would have to pay in instalments to pay off the loan.

Find the best loan of South Africa

Leave your comment about Lime24

Tell us your experience.

Please write constructive criticism to help other people choose better. Any inappropriate comments will not be published.
...

Comments about
Lime24

(1 comments / 5.0 stars of 5)

See more

In this way, if you realize that asking for the amount you first thought about would cause you inconvenience, then you should consider asking for a smaller amount. Conversely, if the calculator shows you can easily afford for more, then you’re ready to do so. There are multiple reasons for you to use this loan calculator; the most important one is that it will help you make a more informed decision.

In any case, Capfin will only let you borrow the amount of money that you can safely pay off. This will be established after they study your affordability. Notice that this assessment is only made by reliable credit companies that comply with the norms set forth by the NCA.

How do I know if I Qualify for Capfin loan?

Knowing if you qualify for a loan at Capfin is pretty simple. You will need to fulfill the following 6 loan requirements:

  1. South African documentation
  2. Payslips and bank statements
  3. Have a permanent job and a regular income
  4. Cellphone number
  5. Bank account under your name
  6. Being over 18 years of age

We would also like to address some questions that our readers often ask us about Capfin. The first one is how to apply for Capfin loans. You can do this in three ways:

  • Online
  • By phone
  • In person

Also, we get a lot of comments asking if you can settle the loan before the scheduled repayment period. The answer is yes. You will be able to do this and all you have to do is ask Capfin to give you a settlement quote.

Other readers tell us their loan applications were declined by Capfin and would want to know if they will be able to request one again. If this should happen to you, you should know that you will be able to request again at Capfin, but you will have to wait thirty days before trying again.

What happens if I Skip a Payment on my Capfin Loan?

If you have problems complying with your obligation of paying your loan instalments, you should contact Capfin immediately in order to see alternative ways to pay for your loan. If you fail to inform Capfin about this issue, you will see your credit history affected. So, our advice is that you don’t wait until the very last minute to talk to Capfin to find a solution to this problem. It is important that you always bear in mind that a loan is serious commitment and that it legally binds you to comply with it.

If you are in need of cash to finance someone you need or want, we hope that you consider Capfin. As we have explained in this article, Capfin is a reliable credit company where you can ask for a top up loan. We have also discussed how you can request these loans, what extra costs you should consider and what would happen if you skipped payments. 

Leave your question

Video Loan

Map Cape Town

Questions and answers

I'd like to top up. I need extra cash urgently, but not with a six-month payment plan. Also, I need more than six months.

Of course, you can do it.  In order to top up your current loan with the private company Capfin S.A., you need to consider that the repayment period can be up to twelve months, which means that you have more than six months to pay the instalments. The entity will make an offer as regards how much extra money you can borrow. 

I have a loan. Can I have a top-up loan? I don't want to obtain another loan somewhere else.

Certainly, you can. The private company Capfin S.A .offers clients the possibility to apply for a top-up loan even if the clients have a current one. According to your income, credit profile and affordability capacity, the company will decide how much you can borrow. Usually, the application can be done by phone or at any local office. 

I paid 3 months of my loan with Capfin, but need another R3,000. How do I re apply to get it?

Usually, the company Capfin S.A. will send you an SMS informing how much extra money you can request. Based on your financial situation, income and affordability capacity, the entity will determine if you can obtain another 3,000 rand, even if you have a current loan. You can contact any agent to start the application right away. 

I have two months left, and my loan will be paid off. Can I ask a second loan before the first one is finished?

Of course, you can. With the private financial company Capfin S.A, there is no need to cancel your current loan completely before asking for a top-up loan. This means that at any point during the repayment period, you can receive an offer as regards how much extra money you can borrow. 

Good day, I like to know about the top-up loan. I do have an active loan but need R2,000. Can you please let me know if I qualify for a top-up loan?

In order to know if you qualify for a top-up loan of 2,000 rand with Capfin S.A when having an active one, the company will need to analyse some information. For example, you will need to provide details of your credit profile and income. According to your affordability capacity, it will be determined if you can access this amount of money or not. 

I paid my loan 2 months ago, will I qualify for a top-up loan?

If you already paid your personal loan with the private company Capfin two months ago, you will definitely be able to apply for a new loan. The company will analyse your credit history, income and also affordability assessment. Based on these factors, it will determine how much extra money you can request. 

I would like to top up my loan. I have proof of income.

If you have proof of income and enough affordability capacity, which will be determined by the analysis carried out by Capfin S.A, there will not be any problems for you to apply for a top-up loan. Usually, the company will inform you how much extra money you can obtain by sending you an SMS. 

I'm a Capfin client, can I have a top-up while I have 1 instalment left?

Of course, you can. At any point during the repayment period, even if you have 1 instalment left, you can apply for a top-up loan with Capfin S.A. In general, the company will send you an SMS informing how much money you can obtain. This decision will be based on your regular monthly income and your affordability capacity. 

Can I get money even I didn't finish the first one?

Of course, you can. There is no need to pay your current loan with Capfin S.A. completely in order to ask for a new line of credit. At any point during the repayment period, you can qualify for a new loan. The company will inform you how much extra money you can obtain. 

How do I apply for a second line of credit or increase my loan?

Usually, in order to apply for a second line of credit, the private company Capfin S.A. will send you an SMS informing how much extra money you can obtain. The entire process can be carried out virtually. The amount of money you can borrow will depend on your income and your affordability capacity. 

I have 1 month to finish my loan, can I get another loan?

Certainly, you can. If you have one month left to finish your loan, you can definitely ask for more money. Capfin S.A offers the possibility to apply for a top-up line of credit. According to your regular income and your affordability capacity, the company will inform you how much money you can obtain. 

I would like to top up my existing loan with Capfin S.A. Is that possible, and how do I do it?

Of course, it is possible. It is not necessary to cancel your current loan completely in order for you to request a top-up loan. Generally, the company sends their clients an SMS informing how much extra money they can take. This is based on their regular monthly income and their affordability capacity.

I want to increase my loan with Capfin.

The private company Capfin S.A offers the possibility to ask for a top-up loan even if you are still paying a current one. In order to qualify, it is important to have a positive credit record and enough affordability capacity. Usually, the company informs the clients how much extra money they can request. 

Can I borrow money if I have an existing loan?

Of course, you can. If you already have an existing loan with Capfin S.A, you do not need to pay the loan completely before asking for more money, as there exists the possibility to ask for a top-up loan. Usually, the company sends the clients an SMS informing how much extra money they can request. 

I have finished paying my loan and I want another one of R20,000 because I earn more money, but I always get less amount of what I need, can you please help me?

If you have finished paying your loan with Capfin S.A., and you would like to request more money such as 20,000 rand because your salary is higher, then you need to get in touch with the company. You will have to inform about your new financial situation, and based on the company's analysis, you will receive an offer.

Can you take a top-up loan after 2 months of repayment?

Yes, certainly you can. There is no restriction as regards the number of instalments you need to pay in order to request a top-up loan with Capfin S.A. In general, the company sends an SMS with an offer about the amount of extra money that you can borrow. Of course, you can accept or decline. 

I have a loan of 8,900 rand. I'm still paying for it. Do I qualify to top up with R3,000?

In order to know if you qualify for an extra 3,000 rand with Capfin S.A, you will be subjected to a credit check. This will include an analysis of your monthly income, economic situation and affordability capacity. Also, the entity will take into account the current loan of 8,900 rand that you are still paying. 

Hi, I have an existing loan which is up in 4 months. Can I top up with 1,000 rand?

If you have an existing loan with Capfin S.A. whose payment is over in 4 months, then you can request for more money, as clients are allowed to do so at any point during the repayment period. In order to know if you can have 1,000 rand, the company will analyse your sitiatuion and will make an offer. 

Hi, I have an existing Capfin loan which is up in 1 month, so can I take another loan of 5,000 rand like now?

Yes, you may be qualified to take a top-up loan with Capfin S.A, while you are still paying your current loan for another month. In order to know if you can obtain extra 5,000 rand, the company will analyse your financial situation, your credit profile and affordability capacity. Then you will be informed as regards the amount of money you can borrow. 

Can I still have another loan or increase it while I have not finished with the current loan?

Of course, you can. Clients are allowed to request a top-up loan with Capfin S.A. when they have not paid their existing loan completely. The company, however, will make an offer based on the applicant's monthly income, credit profile and affordability capacity. Please, get in touch with any advisor to continue with the process. 

I got one payment left, can I get another loan now?

Certainly, you can. The private financial company Capfin S.A. states that clients can apply for a top-up loan at any point during the repayment period. Therefore, if you have one payment left, probably there will not be any problems for you to ask for more money. Please, bear in mind that the company has the final decision. 

I'm left with only 3 months till I finish my loan. Can I get another loan?

Of course, you can. Please, bear in mind that there is no need to ask for a second loan as you have the possibility to increase your current loan. This means that if you have only three instalments left, you can apply for an increase. The company will inform you how much extra money you can obtain. 

Hey, I took a loan on September R2,000, but I need another 2,000 rand.

If you need extra 2,000 rand as a top-up loan with Capfin S.A and you already have a current loan, you will have to contact the company to confirm if this is possible or not. Usually, every month, the company sends an SMS about the amount of extra money you can ask. 

How do I increase my current Capfin loan? Can I do it online?

Capfin S.A. does not allow their existing clients to apply for a personal loan online. However, there is the possibility to leave your personal information and contact details for an agent to call you back with more information. Based on your monthly income and your affordability capacity, you will be obtained certain amount of extra money. 

Good morning, I want to top up my Capfin loan with R2,500.

If you wish to increase your top-up loan up to 2,500 rand with Capfin S.A, you should get in touch with any agent from the company. Two factors are taken into account in order to grant more money: the client's regular income and affordability capacity. For this reason, every month, the entity sends an SMS to their clients informing about how much money they can access. 

Good evening! I have an existing loan with Capfin which I believe I'm left with 2 instalments, and I haven't missed any payments but when I'm applying for a top-up loan it declines. How is that possible?

Usually, the private company Capfin S.A sends their existing customers an SMS informing how much extra money they are entitled to obtain. At any point during the repayment period, clients can ask for a top-up loan. If your request has been declined, the suggestion is to communicate with any agent to find a solution. 

Can I please top up my loan as my salary has been increased? I hope you find this in order.

There should not be any problems for you to top up your personal loan with Capfin S.A. if your salary has been increased. You will need to inform the company about the change of your economic situation and the agents will confirm how much extra money you can obtain. They will also take into account your affordability capacity. 

Hi. I do have an existing loan with you. I would like to know if there is a top-up loan for me.

Generally, Capfin S.A provides the benefit for their existing clients to ask for a top-up loan to increase the amount of money they currently have. The company usually sends an SMS informing how much extra money they can request. Also, you can contact any agent who can confirm if you are eligible. 

Hi, is there an amount available for me to borrow this month? I'm paying my last instalment.

In order to know if there is an extra amount of money for you to borrow with Capfin S.A, the company will send you an SMS with this information. If you have not received the text message yet, the recommendation is to get in touch with any agent from the company. For sure, they will be able to help you out, as one of their policies is that you can request more money at any point during the repayment period. 

I'm paying my last instalment this month, can I apply for a loan again?

Yes, absolutely. There is no need to pay your personal loan completely with Capfin S.A. in order to request more money. The company offers the possibility to increase your current loan even when you are still paying your previous line of credit. It is fundamental to have a positive credit history and enough affordability capacity. 

Is it possible to apply for a top-up online while I have another loan with Capfin S.A.?

The private financial company does not offer the possibility to apply for a personal loan online. You can leave your personal information and contact details, and for sure, an agent from Capfin S.A. will contact you. For certain, you will be able to top up your current loan even if you are still paying the monthly instalments. 

How can you change your 6-month loan to a 12-month loan?

To change your 6 month-loan to a 12-month loan with Capfin S.A, the recommendation is to get in touch with any advisor from the company. The private entity usually offers the possibility to increase your current loan and also to choose a repayment period, which can vary from 6 to 12 months. 

I have over R7,000 left to pay off my loan with Capfin. My instalment is R949, can I access more cash?

If you have over 7,000 rand left to pay to cancel your personal loan with Capfin completely, you can possibly ask for more money. With a monthly instalment of 949 rand, the company will inform you how much you can obtain. This will be based on your income and your affordability capacity. 

Can I apply for R15,000?

Yes, of course you can apply for a personal loan of about 15,000 rand with Capfin S.A. The company provides easy and affordable loans which can be up to 50,000 rand with a repayment period between 6 and 12 months. You just need to present your ID, recent 3 bank statements or payslips. 

Hi! I have taken out a loan and the first instalment is not yet debited. I have an emergency, can I top up while the first instalment hasn't been paid?

In general, Capfin S.A. states that clients can increase the amount of their current loan at any point of the repayment period. Therefore, if you currently have a loan, but you have not paid the first instalment, probably you will not have any problems to ask for an increase to deal with your emergency. 

I want to know, can I top up my Capfin loan while the one I have it's 2 months left to pay?

Of course, you can. The private company Capfin S.A. will give you the chance to increase your current loan without the need to cancel it, even if you are still paying.  The important factor is that you have a positive credit history and enough affordability capacity to face all the monthly instalments. 

Is there a loan available for me above the existing loan?

Absolutely, yes. Capfin S.A. offers the benefit of requesting more money without cancelling your current loan. Generally, the company sends their customers an SMS with information as regards the amount of extra money they can take. Everything depends on the applicant's credit history and affordability assessment. These two factors are determinant. 

Can I top up my loan with Capfin I already have one?

Yes, of course. If you already have a loan with Capfin S.A, there is no need for you to cancel it completely to request more money. Even if you have paid just one instalment, the company will allow you to increase your current loan. Providing that you have a positive credit profile and enough affordability assessment, you will be granted an increase. 

How do I request the second loan?

Usually, the private financial company Capfin S.A. will send you an SMS informing how much extra money, you can borrow as a top-up loan. There is no need to cancel your current loan to ask for more money in case you need extra cash. However, if you have not received the message yet, the recommendation is to contact the company for further information. 

Hi, I have an existing loan which is up in 4 months. Can I take another loan of 10,000 payable in 12 months?

Of course, you can. There is no need to ask for a second loan with Capfin S.A if you are still paying instalments of your existing loan. In the case that you need extra 10,000 rand to be repaid in 12 months, then the company will analyse your situation and determine if you can qualify or not. 

Hi, I just took out 20,000 rand loan in Oct but need 10,000 rand more. Can I apply for more so soon?

If you already took out 20,000 rand for a personal loan with Capfin S.A, you have the possibility to apply for more money. If you have an existing loan, then you can increase it without cancelling it completely. In order to know if you can qualify for extra 10,000 rand, then the company will analyse your situation and determine if you are eligible or not. 

Good day, I have a Capfin loan with still 2 payments left. Can I get a top-up loan?, as I urgently really need it.

If you still have two payments left with Capfin S.A and you need a top-up loan, you can get in touch with the company to help you out along the application process. The company offers the possibility to increase your current loan without the need to cancel it completely. In any case, Capfin will analyse your situation and determine if you can borrow more. 

I've got an active loan with Capfin and I would like to top it up. What can I do?

In case you wish to top up your existing loan with Capfin, you can do it by filling out an online form available. The company will contact you afterwards to continue with the process. It is very important, though, that you have a positive credit history and enough affordability capacity to pay all the instalments. 

Hi, I only have to pay an outstanding balance R124.80 on my Capfin loan, can I make a top of R2000?

The recommendation to be eligible for a top-up loan with Capfin S.A is to have a positive credit history. So, it is important that you pay 124,80 rand to qualify for more. In case you need extra 2,000 rand, Capfin will analyse your particular situation and will determine if you can obtain it or not. 

How can I do if l want to make a top-up with Capfin? . I already got a loan, but I pay every month. Now I need some money.

Capfin S.A usually sends their clients an SMS informing the amount of money available for them to borrow. If you already have an existing loan with the company, and you have a positive credit history, then you can qualify for more in case you need money. Consider getting in touch with the company to start the application process. 

I have 2 months to finish my current loan, can I get another one?

Of course, you can. There is no need to finish paying your current personal loan with Capfin S.A. in order to ask for an increase. Every month, the company sends their customers an SMS informing the amount of extra money they can take based on the credit analysis the company carries out. Please, get in touch with an agent to start the application. 

Hi, currently I have a loan with Capfin which I'm paying in 4 months time, is it possible to top up?

If you currently have a personal loan with a repayment period of 4 months with Capfin S.A, you can qualify for more. In other words, the company offers the possibility to increase your loan without cancelling it completely. According to an analysis of your affordability capacity, you will be able to obtain a certain amount of money. 

Good day. May I ask if it is possible to get another top up loan of R400 whilst I'm busy paying off my loan with Capfin? Thank you for your assistance.

Of course, it is possible. Capfin S.A. offers the benefit of increasing the current personal loan without the need to cancel it completely. If you wish to top up with 400 rand, the company will analyse your affordability capacity and decide if you can deal with the instalments. Usually, the company informs the customers via SMS the amount of extra money they can request.

How do I apply for a second loan if I already have an account that I have paid. I would like to make another loan, but don't know how to. Can you please help me?

If you already paid your personal loan with Capfin, you can qualify for more. The company offers the possibility to increase your current loan without the need to cancel it completely. Usually, the company will inform you by SMS how much extra money you can request. There is an online application you can fill in with your information and then an agent will contact you to continue with the process. 

Am I allowed to borrow on top of the loan I have?

Certainly, you are. Capfin S.A. will keep you informed as regards the amount of money available for you to borrow. There is no need to cancel your existing loan completely before asking for more money. The company will determine how much you can access based on your income, profile and affordability capacity. 

Can I make another second loan?

If you wish to make a second loan with Capfin S.A., you will not have any inconvenience as long as you comply with all the requirements. In general, the company sends clients an SMS informing how much money is available for them to borrow according to their monthly income, profile and affordability assessment. 

I have finished paying my loan and I want to top up, but they say there is no amount for me to borrow now, and I need money, what should I do?

If you have already paid your current loan with Capfin S.A. completely, and you wish to take out more money, then the suggestion is that you get in touch with the company to get informed why you cannot apply for more. Usually, the company promotes the benefit of granting more money to the existing clients. In any case, you can also try using Wonga Loans. 

I want to add money to my loan.

If you wish to add money to your current loan with Capfin S.A., then the recommendation is to communicate with any advisor from the company. The well-experienced agents will guide you through the application process. The entity provides the clients the possibility to top up their loan without the need to cancel it completely. 

How do I qualify for 8,000 rand with Capfin?

In order to know if you qualify for an extra 8,000 rand with Capfin S.A., the entity will consider some factors. For instance, there will be a credit check on your entire financial situation and behaviour. Generally, based on this analysis, you will be informed as regards how much extra money is available for you to obtain.

I would like to increase my loan at Capfin for a 12-month period for 10,000 rand. How do I know if I qualify?

If you would like to increase your current loan with Capfin S.A. with an extra amount of 10,000 rand and with a repayment period of 12 months, you should get in touch with any advisor from the company. The well experienced bank agents will guide you along the application process. Usually, Capfin will analyse all your financial situation and affordability assessment in order to grant the money. 

Hi, can I get a loan top up with Capfin if I have an existing one? I have an emergency.

Of course, you can. There is no need to cancel your existing loan completely with Capfin S.A. in order to increase it to deal with your emergency.  The entity promotes this benefit for its clients. Usually, the company will keep you informed as regards how much money you can top up. Please, get in touch with any advisor to continue with the application process. 

I took out R3,000 loan on the 10th of October, can I top it up already?

If you already took a personal loan of about 3,000 rand with Capfin S.A. and you need to top it up, then you need to speak with any advisor from the company. They offer the benefit to increase your loan without cancelling it completely. However, they will inform you how much extra money you can take. 

I currently have a loan with Capfin. I received the money on the 7th October 2022, however I require an extra R5,000.

If you already asked for a personal loan with Capfin and the money has been deposited, but you still need extra 5,000 rand, then you do not need to worry as the company offers the benefit of increasing the current loan. The entity informs via SMS how much money you can take to increase your loan. 

I currently do have a loan with Capfin which I'm paying off in 3 month-time. Will it be possible for me to apply or top up for a bigger amount?

Do not worry about this as it is possible for you to ask for more money at Capfin S.A. even if you have applied for a three-month time personal loan. The entity offers this benefit without the need to cancel your current loan completely. Usually, the company keeps the clients informed as regards how much extra money they can borrow. 

Can I get a top-up on my Capfin loan? I still need to pay 3 instalments.

In order to obtain a top-up loan with Capfin S. A., there is no need to cancel your previous loan completely. If you have still three instalments left, you can ask for more money. Usually, Capfin S, A., sends the customers an SMS informing how much extra money they can borrow according to their income and affordability capacity. 

Can I please get a top-up loan of 5,000 rand? I have a bereavement.

Definitely, you will be able to increase your current loan with Capfin S.A. If you are looking for more money to cover a personal need, in your case, a bereavement, Capfin offers the opportunity to obtain more money without cancelling your existing loan. Please, get in touch with the company to start the application process and see if you are eligible for extra 5,000 rand. 

Hi, can I still apply for a top-up loan if I have an existing loan?

Absolutely, yes. The private financing company Capfin offers the possibility to increase customers' existing personal loan. In other words, even if you are still paying monthly instalments, you can ask for more money based on your affordability capacity and your income. The amount you can access will be determined by the company itself

I'm a customer with Capfin. I need a top-up loan. Likewise, I have never skipped paying.

If you are interested in increasing your personal current loan with Capfin, you can do so without any problem. It seems that you are a responsible customer who has paid all the fees on time, so obtaining more money with the company will be an easier process for you. Please, get in touch with any advisor from the company to start your application process. 

Can I borrow whilst I'm paying for a previous loan?

Certainly, you can. Capfin offers the possibility to ask for a top-up loan without the need to pay your existing loan in full. The number of instalments you have already paid is not a determining factor if you wish to obtain more money with the company. However, your affordability capacity and your financial situation will be considered. 

Hi, I need to know if it is possible to get a top-up as I have paid two instalments on my loan.

Of course, it is possible. There is no need to cancel your existing loan completely or to pay a certain number of instalments (in your case, two fees) with Capfin in order to ask for an increase. Usually, based on your financial situation and affordability capacity, the company will inform you how much extra money you can obtain. 

I settled my Capfin account and need a top-up, but I don't have loan offers at the moment. How can I fix this?

If you have already settled your Capfin account and are looking for a top-up loan, then please, consider the possibility to get in touch with the company. For sure, the experienced advisors will keep you informed as regards the amount of extra money you can borrow. Usually, the entity sends an SMS with all this information. 

Good day, can I please have a top-up of R2,000?

In order to know if you can top up your existing loan with extra 2,000 rand, the company will need to analyse our case. This is so because Capfin takes into account the client's financial situation and affordability capacity. Please, get in touch with the company so that the advisors can help you along the application process. 

Good day, can I be allowed to top up my loan for emergency?

In case of an emergency, you can apply for a top-up loan with Capfin. The company will decide how much money you are entitled to obtain, depending on your financial situation and affordability capacity. These two factors are fundamental to decide the amount of extra money to borrow. Usually, Capfin keeps all its clients informed by SMS. 

How and when can I get a top-up?

There is no need to cancel your existing loan completely with Capfin in order to ask for an increase. In other words, you can apply for a top-up even if you are still paying your current loan. Capfin will keep you informed as regards the extra amount of money you can borrow. 

What must I do for a top-up loan?

The recommendation in case clients wish to apply for a top-up loan with Capfin is to get in touch with the well-trained advisors from the company. They will inform you how much extra money you can increase based on your financial situation and affordability capacity. If everything is OK, they will help you continue with the application process. 

Can I get a larger amount to top up with Capfin?

If you are looking to increase your current loan with Capfin, it is fundamental to know that the company will make this determination based on your financial situation and affordability capacity. Usually, the company will send you an SMS every month confirming how much extra money you can ask for. 

Can I apply for a top-up loan with Capfin?

Of course, you can. The private financing entity Capfin offers this type of service, increasing a loan, without the need to cancel the current loan completely. The company needs to analyse your financial situation and affordability capacity in order to make an offer and determine how much extra money you can borrow. 

Do I qualify for a top-up loan?

In order to know if you qualify for a top-up loan with Capfin, it is important to comply with all the requirements established by the company. Every month, Capfin sends an SMS to all of its customers informing how much money is available for them to borrow or to increase their loan. 

I have an outstanding amount to pay, so can I get another cash?

The fact of obtaining more money with Capfin S.A when having an outstanding amount of money will be determined by the company itself. This is so because you need to have a positive credit profile, a good credit behaviour and enough affordability capacity. All of these aspects will be analysed by Capfin to decide if you are eligible for a top-up loan. 

Hi, I am only left with one payment on my current loan, I want to know if I can get a top-up on my loan, thank you.

Capfin S.A. provides clients with the possibility to apply for a top-up loan even if you have not finished paying your current loan. Therefore, if you still have one payment left, definitely, you can start the application process for an increase. Please, get in touch with any advisor from the entity, and they will guide you, step by step, 

Hi, I'm trying to apply for a top-up loan, but I can't seem to do it with Capfin, can you call me?

If you are having some kind of problems with Capfin S.A. in order to apply for a top-up loan, the recommendation is to contact the company by phone. For sure, the experienced consultants will be happy to help you out with the application process. It is important that you comply with all the criteria. 

I haven't finished paying my loan, can I apply for a top-up loan with a maximum of 2,500 rand?

If you have not finished paying your current loan with Capfin S.A, there is no need to cancel it completely in order to ask for a top-up, such 2,500 rand. The entity offers the benefit of increasing the amount of money you need. Usually, clients are informed through an SMS how much they can obtain. This will depend on their income and credit behaviour. 

I took a 20,000 rand loan last month. Now I need 15,000 rand to start a business.

If you already took a loan of about 20,000 rand with Capfin S.A and now you need 15,000 more to start a business, then the company may offer what you are looking for. There is a possibility to increase your current loan without the need to cancel it completely. Your application may also be subjected to a credit check.  

How can I qualify for a 5,000 rand top up loan?

To qualify for an extra 5,000 rand with Capfin S.A, your application will be subjected to evaluation and analysis. Usually, the company sends their clients an SMS, informing how much money you can count with to increase their existing loan. Some aspects are considered like your affordability capacity, income and financial situation. 

Good morning. I want to apply for a top-up loan. Can you, please, assist me to see if I qualify?

If you wish to apply for a top-up loan with Capfin S.A, you can get in touch with any consultant from the company. According to your income, financial situation and affordability capacity, you will be informed how much extra money you can borrow to increase your existing loan without cancelling completely. 

I need a second loan on my existing loan with Capfin.

There is no need for you to apply for a second loan with Capfin, if you need more money. The company offers the possibility to increase your current loan without cancelling completely. As a client, you will receive an SMS informing the extra amount of money available to top up the loan. 

I have an existing loan with Capfin that I'm paying monthly, and I want to top up that loan because I need 20,000 rand more, but I can't find where to go.

As a client, if you are paying a monthly instalment with Capfin and you want to top up your loan with 20,000 rand, then the suggestion is to communicate with the advisors. They will help you increase the amount of your existing loan according to your income and affordability capacity. 

Can I add another loan on top of the one I have?

Of course, you can. With the lending company Capfin, you can even ask for a top-up loan. In other words, you can increase your existing loan without the need to apply for a second one. Usually, the company informs the clients about the amount of extra money available to borrow. You will receive an SMS with this information every month. 

If you missed one month not paying because you were scammed, and you need help from Capfin, what must you do?

If you mean that you have not paid Capfin for a month, and now you are behind the instalments, the recommendation is to communicate with the advisors from the company. They will be willing to help you find the best solution so as your credit history does not get negatively affected. 

Hi, there, I just want to know if I can make a small loan on my previous loan?

For sure, you will be able to request another sum of money to increase your existing loan with Capfin S.A. It is important to know how much money is available for you to borrow based on your affordability capacity and monthly income. Usually, every month, Capfin sends an SMS with the information. 

Can I top up my loan with 3,000 rand?

If you wish to top up your loan with Capfin S.A up to 3,000 rand, you can do so without having the need to cancel your existing loan completely.  The company will inform you how much money is available for you to borrow. In any case, Capfin will also determine how much you can obtain based on your income and affordability capacity. 

If I have a loan already with Capfin and only have 1 more payment left to make, can I get a loan before that already?

Of course, you can. There is no need for you to make the last payment of your personal loan with Capfin S.A in order to request more money. The company will send you an SMS with the amount of money available for you to borrow. If you have not got the message, you can contact any advisor from the entity for further details. 

Hi, I have an outstanding balance of 3,000 rand and I took a loan for 6 months term. Now I want to extend it to a year and I need extra money, how do I extend my loan?

If you have an outstanding balance of 3,000 rand, you obtained a loan with Capfin SA for 6 months, and you wish to increase it, you can definitely ask for a top-up. The company will inform you how much money is available to borrow. This information will also be based on your income and the affordability capacity. 

Can I make a top-up loan three times in a row?

Definitely, you can request a top-up loan. However, the number of times you can do so will be determined by the company. Remember that Capfin S.A will inform you by SMS how much money is available for you to borrow. The decision will also be based on your income and affordability capacity. 

Can I top up my loan, after 3 months?

Certainly, you can. Capfin offers the possibility to increase your current loan without the need to cancel it completely. An any point during the repayment period, if necessary, you will be able to request for a top-up. The company will keep you informed as regards how much extra money you can borrow. 

How can I apply for another loan if I’m still paying?

Usually, Capfin S.A sends clients an SMS every month to inform how much money is available to borrow, which means that you do not have to pay your current loan completely to request a top-up. According to your affordability capacity and your income, the amount of extra money you can obtain will be determined by the entity. 

I have a loan that it was supposed to be finished by now, but it has been said I requested a top-up, while I haven't. Any proof that I've made a top-up application, as I don't remember applying for one? 2 Can it be possible I don't get approved for top up until I finish my current loan?

If you already have a personal loan with Capfin S.A, and apparently you have not requested for a top-up, then please consider the possibility to get in touch with any consultant from the company. They will help you out with any inquiries you have. Also, to ask for an increase on your current loan, you do not need to pay it back completely. 

Hi, how do I top up my loan through Capfin using my phone? Because it does not show the loan amount bar any more.

If you are having problems to apply for a top-up loan with Capfin on your smartphone, there is another alternative you can resort to. Try, for example, to submit your contact details online and an advisor will contact you immediately. Also, you can communicate with the entity, and it is for sure, they will find a convenient offer for you. Furthermore, the company sends you an SMS every month to inform you how much money is available to borrow. 

Where can I qualify for consolidating my credit, so that I can borrow a loan to build my property?

Capfin S.A does not offer consolidation loans to clients whose credit score has been negatively affected. If you are looking for a solution to your economic situation, you may try other financial companies such as Capitec Bank. After you clear your credit history, you may apply for a personal loan to build your house. 

I tried to apply for a top-up without success.

If you already tried to apply for a top-up loan with Capfin S.A and your application was not successful, the recommendation is to submit all your personal contact details online, and an advisor will immediately contact you. It is for sure that they will be able to find a solution for you. 

I need to increase my personal loan.

If you wish to increase your personal loan with Capfin S.A, there is no need to cancel your existing loan totally to ask for a top-up. The company will send you an SMS to inform you how much extra money is available to borrow. Clients can contact the advisors to receive more information and continue with the application. 

Can I apply for a top-up on online?

If you wish to apply for a top-up loan with Capfin S.A, you can start the application online. There is a form which you can fill in with your personal data and a well-trained advisor will call you back. Also, you can upload all the necessary documentation to continue with the application process. The consultant can inform you how much money you can borrow to increase your existing loan. 

Do I qualify for a top-up loan?

In order to know if you qualify for a top-up loan with Capfin S.A, you need to have a positive credit score, a favourable economic situation and enough affordability capacity. The company will analyse all these factors, and based on this analysis, it will inform you how much money you can obtain as a top-up loan. 

I would like to apply for a top-up loan of 1,500 rand. Will I be granted this loan?

You will be able to access 1,500 rand as a part of applying for a top-up loan with Capfin. In any case, the company will inform you how much money is available for you to borrow. The approval will depend on your credit history and your affordability capacity. Usually, the company sends an SMS with the amount allowed. 

Can I get a second loan while I am still paying for my first one?

Of course, you can. There is no need to apply for a second loan  after you finish paying your current one. The company offers the possibility to ask for extra money. Capfin will inform you with an SMS the amount of money available for you to top up your current loan. 

I've finished my Capfin loan, how do I apply for another loan?

Once you have already finished paying your loan with Capfin, you can apply for a second one. Also, you have the option to increase your current loan. To apply for a new line of credit, you can start the online application. There is a form for you to fill out with your personal information which will be subjected to analysis by the company. An advisor will get in touch with you to continue with the process.

Hi, I have 10,000 rand loan with Capfin, so I just want to know, Can I get 5,000 rand more?

Certainly, you can. Capfin offers the option of increasing your existing loan of 10,000 rand without the need to cancel it completely. If you wish to obtain extra 5,000 rand, Capfin will analyse your affordability capacity and economic situation. Usually, the company will inform you how much money is available for you to borrow via an SMS. 

I'm still waiting for the money to be deposited in my account, what's the delay?

Usually, whenever you apply for a personal loan with Capfin, the money is deposited within 48 business hours in your bank account. Please, remember that you need to receive a notification that the application process has been approved. If your application process has not been accepted by the company, you should get in touch with them. 

I have an outstanding balance of 3,700 rand, can I apply again? Can I make it for 12 months?

Yes, you can. If you already have a personal loan of 3,700 rand, and you need extra money, you can apply for an increase. There is a possibility for responsible clients to top up their increasing loan. The amount of money you can access as well as the repayment period, 12 months in this case, will be determined by Capfin. 

My Capfin loan of 3,400 rand has just been approved, but I realised I made a mistake because I needed 5,000 rand. Can I increase my loan amount?

Certainly, you can. Capfin offers the possibility of increasing your current loan without the need to apply for a second one. In other words, you do not need to cancel the existing loan completely. If you have borrowed 3,400 rand, and you need an extra 5,000 rand, the company will inform you how much money is available to top up. 

If I have a balance of 1900 rand at Capfin, is it possible to top up my loan?

If you have a balance of 1,900 rand with Capfin, there is no need for you to cancel your current loan completely before asking for a top-up loan. This means you can obtain more money without applying for a second line of credit. Based on your financial situation, the company will inform you how much money is available for you to top up. 

Hi, I have a loan of 5,055 rand with Capfin, so I just want to know if I could top up my loan with 5,000 rand.

If you have a current loan of 5,055 rand with Capfin, you can qualify for a top-up loan. The amount of extra money you can access will depend on the analysis the company carries out in terms of your affordability capacity and your financial behaviour. The company will inform you whether you can increase your current loan with 5,000 rand. 

I've been paying for 3 months now. Do I qualify for a top-up?

Of course, you do. With Capfin, there is no need to cancel your existing loan completely if you wish to increase the amount of money you have borrowed. The company will analyse your economic situation and your financial behaviour to determine the sum of extra money you can access. Generally, Capfin will send you an SMS with the confirmation. 

I need to top up with 8000 rand?

To top up your existing loan with Capfin, and get an extra 8,000 rand, you will need to await the company's approval. Every month, Capfin will inform you how much money is available to add to your existing loan. Everything will depend on your credit history and your financial behaviour. 

Can I get another loan while I'm still paying?

Definitely, you can. There is no need for you to cancel your existing personal loan completely with Capfin before applying for a top-up loan. Every month, the company will send you an SMS on your mobile phone to inform you the amount of extra money you can borrow.  Also, it will depend on if you have a positive credit history. 

Can I have a top-up loan with Capfin?

Certainly, you can. In order to obtain a top-up loan with Capfin, you need to have positive financial situation. Usually, the company will send you an SMS on your mobile phone informing you the amount of money you can borrow. There is no need to cancel your existing loan completely to ask for an increase. 

I just took a loan half the money I qualify for, so can I request the remaining amount to be added to my loan?

If you already applied for a personal loan with Capfin, took half of it and wish to obtain more money, you can increase your existing loan without the need to request a second line of credit. Usually, the company will send you via SMS the amount of extra money you can borrow. Based on the analysis of your credit profile, Capfin will determine if you can access the rest of the money.

Hi, I have a loan of 4000 rand with Capfin and have left with 2 instalments to finish, can I make a top-up of 2,000 online?

If you wish you apply for a top-up loan of 2,000 rand with Capfin, you can do so providing that you have enough affordability capacity. There is no need for you to finish paying your current 4,000 loan to apply. Usually, the company informs its clients via SMS how much money is available for them to increase their existing line of credit. 

I do not get any message from Capfin and I need a loan. Please help me. What must I do?

In order to apply for a personal loan with Capfin, the company offers an easy and quick application process. Everything can be done virtually as you only need to fill in a form and a consultant will get in touch with you immediately afterwards. Once this step has been completed, you will need to submit the necessary documentation and wait for the company's approval. 

I have an existing loan with Capfin for 5,000 rand. Only 2 instalments were paid so far, can I still request an increase?

If you have an existing loan of about 5,000 rand with Capfin and you wish to increase it, with 2 instalments already paid, you can enjoy this benefit. There is no need to pay back your current loan completely to ask for a top-up. Based on your credit history and income, the company will determine how much extra money you can borrow.  

Hi, I have a loan with you. Can I top it up, or must I pay it completely first?

Definitely, you can. Capfin offers short term loans with the possibility to top them up. Clients do not need to finish paying their existing loan completely to ask for an increase. With this benefit, you can borrow extra money to satisfy any personal need. The company will inform you how much money you can access based on your credit history and income.

Can I get a top-up loan while I'm still paying for one?

Certainly, you can. With the private financial company, Capfin, there is no need to wait until you cancel your current loan totally before asking for an increase. The company offers the possibility to top up your loan while you are still paying for it. You will receive an SMS informing you how much extra money is available to borrow.

Can I top up my loan with 4000 with you, guys?

Definitely, yes. You will be able to top up your current loan with Capfin, if you have a positive credit record. To know if you can obtain 4000 rand, the company will inform you via SMS how much money is available for you. This determination will be based on your affordability capacity and your income. 

Do I qualify for a top-up of 1200 rand?

In order to know if you can top up for a 12,000 rand with Capfin, the company will send you an SMS to inform you how much money is available to increase your current loan. However, the decision will be determined by your economic situation, affordability capacity and your income. 

After how long do I qualify for my next loan?

There is no need to wait for a certain period of time to be able to apply for a personal loan with Capfin as the company offers the possibility to increase the existing loan without requesting a second one. Based on your income and affordability capacity, the amount of money to top up will be determined. 

Hi. I have a 6 months loan with Capfin of 6000 rand, and it's been 9 months till I disputed. How am I going to get a history statement of the loan? Please, help because I want to top up, and I don't even know my balance.

If you wish to know the history statement of your loan, the recommendation is to contact any consultant from the company. They will be happy to help you. Also, they will be able to inform you how much money is available to increase your current loan of 6,000 rand. The amount will be determined by your affordability capacity. 

I want to increase with 2,000 rand.

To know how much you can qualify for personal loan with Capfin, in this case, a top-up loan for a 2,000 rand, the company will send you an SMS every month to inform you how much money you can borrow from the company. Also, the amount will depend on your credit record and your affordability capacity.  

I need a loan top-up of R4,000.

In order to know if you can increase your personal loan with Capfin up to 4,000 rand, the company will evaluate your credit situation. Also, you will receive an SMS every month, which will inform you the amount of money that is available to top up your existing loan. Depending on that evaluation, you will be granted a certain sum. 

Can I have R10,000 loan and pay within 12 months?

Absolutely, yes. To obtain a loan of 10,000 rand with Capfin, with a total interest rate and fee of about 3672.34 rand, you will be paying in a period of 12 months, instalments of 1139.36 rand. In other words, the total amount to be repaid will be 13672,34 rand approximately. 

Hi, is it possible to get a top-up loan with R3000?

To know if you can obtain a top-up loan of 3000 rand with Capfin, you need to qualify for the application process. The company will carry out an analysis on your credit history and your affordability capacity. Based on that, it will determine if you can be eligible for increasing your existing loan. 

How long does it take to get another loan after you settled your loan at Capfin?

The financial company Capfin provides its clients with short term loans which can be up to 50,000 rand and which can be paid in a period between 6 and 12 months. Another benefit that the company offers is the possibility to increase your existing loan without the need to pay for it completely. So there is no urge for you to wait for a certain period of time in order to apply for an increase. 

Do I qualify for a top-up loan of R4000 with Capfin?

Capfin offers its potential clients short term loans which are very easy to obtain. The company also offers the possibility to top up their existing loan without the need to cancel it completely. If you qualify for the application process, Capfin will send you an SMS every month in which you will be informed about the amount of money available for you to borrow. If your credit record is positive, you will be able to obtain 4.000 rand.

How do I know if I qualify for a top-up amount?

To be able to know if you qualify for a top-up loan, the private financing company Capfin will first carry out an analysis of your credit history. If you pass this evaluation, then the company will inform you via SMS how much money is available to borrow. There is no need to cancel your existing loan completely in order to request an increase. 

Has my loan application been accepted? I did it yesterday.

Sometimes there might be delays as regards the application form with Capfin if you have requested a personal loan. Usually, you will get a confirmation within a period of 48 working hours. However, if by then you have not received any notifications, the recommendation is to speak with any advisor from the company by phone.

Hi, I have a Capfin loan, is it possible to top it up, please?

Yes, indeed. To be able to increase your existing loan with Capfin, it is extremely important to have a positive credit profile and pay all the fees on time. If you qualify for it, you can ask for a top-up without the need to cancel your previous loan completely. The application form can be done by calling the company or via the Internet. 

How can I apply for a top-up loan online?

If you wish to apply for a top-up loan online with Capfin, you can do so by filling out an online application form, which will only take some minutes as the entire process is quick and easy. You can also create an online personal profile with Capfin and, in this way, carry out all your financial operations. Another possibility is to request a loan by SMS. 

Hi, I recently applied for the loan and thank you so much. I would like to ask if I can make a top-up loan.

In order to know if you qualify for a top-up loan, the private financing company, Capfin, will carry out an exhaustive analysis on your credit profile. If you are a responsible client, the company will send you an SMS every month to inform you about the amount of money by which you can increase your loan. 

I finished paying Capfin but I wanted another loan. It doesn't allow me.

The private financial company Capfin offers the possibility to apply for several loans if clients have a positive credit history and are responsible with the payment period. Usually, if they finish paying for an existing loan completely and wish to take another one, they must wait a period of 30 days before starting with the new application process. 

Is it possible to top up my loan with 4000?

Of course, it is possible to do so. The private financial company Capfin offers its clients the possibility to increase their current loan if payments are made on time and the credit history is positive. The company will analyse your economic situation in order to determine if you can take an additional 4.000 rand. 

Will I be able to top up on a loan if I have 2 instalments left?

There is no need to cancel your existing loan completely with Capfin before applying for a top up loan. In other words, clients must make all the payments on time in order to be able to enjoy this benefit. Also, you need to have a positive credit history in order to start with the application process. 

Hi, I have made a payment on my loan. Its my first instalment. Can I apply for a top up loan?

It is really important to make all the payments on time in order to apply for a top up loan with Capfin. However, you can use this benefit without the need to cancel your existing loan completely. The company will inform you via SMS the amount of money available for you to borrow. 

Hi, I'm done to pay my Capfin loan,and I need another loan. What must I do? because I tried to call but I didn't get help.

With the private financial company Capfin, you can take up a second loan if you have finished paying your existing one. Usually, the company will send you an SMS every month confirming the amount of money which is available for you to borrow. If you have not received this message and cannot reach the agents on the phone,  you will probably have to go to a local branch and consult with an advisor. Usually, to ask for a second loan, clients must wait up to a period of 30 days.

How do I top up my loan? I need R2000.

The private company Capfin offers its clients the benefit of increasing their existing loan. That is to say, clients can top up their loan without the need to apply for a second line of credit. Every month, the company will send you an SMS informing the amount of money available to borrow. Depending on your affordability capacity, the company will decide if you can take an additional 2000 rand.

Is it possible to top up my loan with R3.000?

Capfin offers its clients the benefit of increasing their personal loan without the need to request a second one. Also, according to the client's credit profile and monthly income, the company will determine how much money you can borrow to top up your loan. Every single month, Capfin will send you an SMS with the available amount. 

I have a new loan with Capfin. I would like to increase the loan amount. How do I go about doing it?

If you have just obtained a personal loan with Capfin, you have the option to top it up. The financial company will send you an SMS to your mobile phone every month, which will inform you how much money is available to increase your personal loan. The amount will be determined by your income and affordability capacity. 

I'm still paying my loan with Capfin. Can I apply for another loan with them while I'm still paying?

If you are still paying a loan with Capfin, you can consider the option of topping up instead of applying for a second line of credit. The bank informs all the clients about the money available for them to borrow by sending an SMS every single month. Also, you can communicate with the representatives from the bank via the landline phone number to increase your current loan. 

How do I apply for another loan on my Capfin account. My loan is paid in full and does not give me the option to apply for another one?

If you have already paid a personal loan with Capfin and you need more economic aid, you can get in touch with the representatives from the bank and request a second loan. Another option is to operate via online by using the internet banking system. In this way, the application process will be quick and simple. 

I need a loan of R4000.

If you are looking for a personal loan of 4.000 rand with Capfin Bank, it is important to comply with all the requirements such as paperwork and the application form you need to hand in. The bank will study your case and economic situation. Based on the result, your request can be approved or denied. 

How do I apply for a 12 month Capfin loan?

To apply for a 12 month loan with Capfin, all you need is to meet some requirements. It is important to have a clear credit record, favourable economic situation and enough affordability capacity. Also, you must show your South African ID, proof of income, latest payslips and recent bank statements. 

Hi, I applied for a loan in December 2021 .The loan was 2000 rand, I still have a 750 something to pay back. Can I top up my loan?Yes

Definitely, yes. There are no time restrictions as regards when you can increase your loan of 2000 rand even if you still need to pay back 750 rand. Capfin will inform you via SMS the amount of money you can borrow every month. If you have not received any message, you can contact the bank via the landline number and start the process right away. 

Hi, I need to top up my loan with R50000, can I?

Certainly, you can. Please, bear in mind that the financial company Capfin sends all of its customers an SMS informing how much money is available for them to borrow. In case of needing extra funds, you can top up your existing loan instead of applying for a second one. The bank will confirm the maximum amount you can access.

Hi, I have a Capfin loan but skipped one month so I'm paying the last one at end of April. Will Capfin grant me another loan even though I skipped one month? However, I am on track because they debit every month.

Usually, Capfin clients are recommended to be responsible and committed to any financial operation they carry out. If you skip paying an instalment, your credit record may be negatively affected, therefore, the application for a new loan might be declined. Also, you need to show you have the means to afford a new line of credit. 

I already got approved but I HV received money. What could be wrong?

If the process of application for a personal loan with Capfin has been approved but you have not received the money yet, probably, there is a delay with the deposit, or maybe there is a delay with the banking system. The recommendation is to communicate with any agent from the bank via the landline phone number. 

Hi, I made my last loan payment this month. May I have another loan, please?

With Capfin S.A, there is not time limit to apply for another loan as there is the possibility of increasing your current loan. In other words, clients do not need to cancel their existing loan in full in order to apply for an increase. Please, remember to have a positive credit history and make all the payments on time. 

I have a six month loan this is my third month. Can I apply for another loan?

If you have a six month loan and you wish to apply for another loan, the process will be acceptable providing that you have a positive credit history and the necessary means to afford the instalments. In any case, the bank also offers the possibility of topping up your current loan without the need to cancel it completely. 

I need to top up my loan and have not received the sms to show how much I have available to borrow, what should I do?

If you wish to top up your current loan with Capfin S.A and have not received the SMS yet, consider please communicating with any agent from the bank via the landline number. Another option is to carry out your application online via the bank website. The entire process is very easy and accesible.

Hi, I have a Capfin loan for 6 months term and I am about to pay my second instalment but we'll like to settle the account and reapply again. Will they give me a loan?

Capfin S.A offers its clients a wide range of short-term loans with the possibility of increasing the existing ones. In order to apply for it, there is no need to cancel you current loan completely as the bank will inform you via SMS how much money is available for you to increase your loan. 

I want to apply for Capfin top up on my current loan. Where can I apply online for that?

If you wish to apply for a top up loan with Capfin S.A, there are several channels available for you to operate. For instance, you can resort to the company website and start the application process.  You can also communicate with any agent from the bank via the landline number, and last but not least, you can top up your loan via SMS on your smartphone. 

Is it possible for me to get a top up on my current loan? I have 2 instalments left.

Of course, you can.  Every month, Capfin S.A will inform you via SMS how much money is available for you to increase your existing loan. There is no need to cancel your current loan completely in order to enjoy this benefit. If you do not receive the SMS, you can apply for it via the online banking system. 

I need to top up my loan but I don't get options.

To be able to top up your existing loan with Capfin S.A, the financial company will inform you via SMS how much money you have available to borrow so as to increase your loan. If you have not received the SMS yet, you can contact the bank via the landline number or you can apply for the top up loan via the online banking system. 

How can I see if I can do top up loan if everytime the MMI code is not available?

There are several channels to carry out banking operations through which you can request a top up loan with Capfin S.A. You can do the entire process online or via SMS on your smartphone. Also, you can visit any PEP or Ackermans store nationwide. The loan application process via online is secure and accesible.  

I already have an existing loan. Can I top up my loan?

Of course, you can. The financial company Capfin offers a range of short-term loans that are very easy to obtain. Another benefit that the company provides is the possibility of topping up existing loans. There is no need to cancel your current loan completely in order for you to make use of this service. 

How long u have to wait to increase my loan after I got the loan?

There is not a specific time limit for clients to wait before applying for a top up loan with Capitec SA. Once you have been granted a loan, the company will inform you every month the top-up amount which you can access. The only requirement is that you have a positive credit history. 

I am on the last few payment. For what amount can I do a top up?

If you wish to top up your pre-existing loan with Capfin SA, there is no need for you to wait to cancel it before applying. In order to know exactly how much money you can obtain, the company will send you an SMS every month to inform you the top-up amount that is available to borrow. 

Hi, how do I top up my loan via online?

First of all, Capfin will send you an SMS in which it will inform you the amount of money available for you to top up your pre-existing loan. Then, you can complete the application process via online. You need to register and log into your personal profile in the online system and start the application right away.  

If I skip my loan and pay double on the following month and my loan is settled. Will Capfin allow me to borrow another money again?

Skipping the payment of one of the instalmens with Capfin SA will mark a negative record on your credit history which will prevent you from applying for another loan. Therefore, the recommendation is that clients should be reliable and committed to pay all the debts on term. In this way, you will be considered for a new loan. 

Hi, I currently have a loan with Capfin. I want to apply for a loan of R30,000.00, consolidate to pay off all credit, With repayments over 24 months. Please advise, how would I then get a loan?

Capfin SA is one of the leading South African short-term loan providers in which clients can apply for a maximum amount of 50.000 rand to be repaid in a period between 6 and 12 months. So, you can apply for a loan of 30.000 rand but the repayment period should be along six or twelve months. Consider that the company will inform you how much money is available for you to borrow. 

I would like to top my loan with R8000 do I qualify to do so? at an extend monthly installment.

If you wish to top up your loan with 8000 rand at Capfin, please make sure that you receive an SMS informing the amount of money available to borrow from the company. That is to say, Capfin will inform you how much you can increase your current loan.  You do not need to cancel the pre-existing line of credit to ask for this service. 

I owe capfin r1477 do I qualify another loan?

If you owe a payment of about 1.477 rand with Capfin SA, you will qualify for another loan once your debt has been totally cancelled. Please, remember that having debts will imply a negative impact on your credit history which consequently will affect the application process. Now, if you need more money, you can apply for a top up loan.

If you have a loan that you are going to pay for 6 months, after how many months can you apply for a top up after you have paid for 3 months?

There is no time limit with regards the possibility of applying for a top-up loan. That is, every month, Capfin will send notifications on your phone informing how much money you can borrow. In this way you can immediately start your application in order to increase your loan. You do not need to pay off your current debt to get more money from the company. 

Good morning, I left with one month payment can I get a top up loan?

In order to request a top up loan with Capfin, clients should be responsible with their payment plan. That is, if under any circumstances, an instalment is skipped, it is vital to inform the bank so that new alternatives of payment can be arranged, otherwise, your credit history may be negatively affected and you will encounter problems to qualify for any type of credit programs.  

So topping up you using the same method when applying.

That is correct. Capfin has created easy ways for its clients to operate financially without the need to go to a local branch. The procedure to apply for a top up credit plan is similar to the one to request a short-term loan. That is, clients can log into their online profile and ask for more money. The bank will analyse all the details as well as the credit history and will decide if you are eligible for it. 

Can I do a top up online?

With Capfin, clients can apply for a loan in three different ways: online, by phone or in person. That is, you can log into your personal profile on the online bank account and perform all your banking operations including the request for a top up credit plan, which adds more money to your current loan. 

I qualified for a R4700 loan, but took R3000, can I borrow now the 1700 I did not take

If you have already taken out a loan of about R3.000 with Capfin and you wish to get more money, you can top up your existing loan and ask for R1.700. The bank offers its clients the possibility to easily request a short-term loan with a maximum amount of R50.000. The repayment period can vary between 6 and 12 months.  Do notice your earnings and your credit history will determine how much money you can borrow. 

Do I qualify for a top up of R1000 or R500?

A top-up loan with Capfin practically adds more money to an existing loan. To know if you are eligible for an increase, the company will need to perform an analysis of your economic situation. The amount of your earnings and your affordability capacity will establish which rate, R10000 or R500, you will be able to get. 

Can Capfin top up my loan?

If you wish to increase the amount of money that you are borrowing from Capfin, you can do it at no inconvenience. Consider as well that the company will perform an in-depth analysis of your current financial condition and it will also check your credit history to determine if you will be able to afford new instalments. 

Good morning. Can you get another loan if you had a loan already?

If you already asked for a loan at Capfin and you are still paying, you could either ask for a top-up loan or ask for a settlement quote. In the latter case, you would have to pay off the loan before asking for a new one. Capfin will re-assess your credit record and offer you a new loan with new terms and conditions. 

Hi, I am your client and I need a 20,000 thousand loan pls I need to build a house.

If you are a Capfin client, and you meet the requirements to apply for a loan at this institution, then you might be able to ask for R20,000 that you can use to build a house or whatever you want to do with the money. However, Capfin will be able to decide if they can loan you this amount once they check your affordability and your credit record. 

Hi, I've already settled my Capfin loan, but I want to apply again.

If you have already settled a personal loan at Capfin, you have higher chances of getting a new one. Of course, Capfin will verify that you are still able to afford the loan and will ask you to provide all documents you provided the first time you applied for a loan at Capfin.

Hi, I already have a loan with Capfin I would like to top up my loan... is it possible??

If you want to ask for a top-up loan at Capfin, you should talk to a Capfin representative so that they can review your situation. Another option you might want to consider is settling your existing loan and asking for a new one for the amount you have in mind.

I have an existing loan of 3000, is it possible to have another one?

One way to ask for another loan at Capfin when you have an existing one of R3,000 is to ask for a settlement quote. Once you pay the loan off, you will be able to ask for another one. Of course that Capfin will run an affordability check on you once again.

I have a loan with Capfin, is there another loan that I can apply for at Capfin?

Capfin offers only one type of loan; the one you already have. However, you might be able to ask for another one as long as your income and your credit record enables you to do it. Remember that loans at Capfin are of up to R50,000 and the term can be of up to 12 months.

Is it possible for me to increase my loan at Capfin? And how can I do it?

Depending on what is the situation with your standing loan at Capfin, you might be able to ask for a top-up and increase the money of your loan. Generally, this company requests clients to have paid off a certain percentage of the loan. Contact Capfin to ask for your top up loan.

Good morning. I have an existing capfin personal loan with an outstanding balance of R6950. Can I top that loan up?

Capfin is not offering top up loans at this time. What you might be able to do is ask Capfin to prepare a settlement offer for that R6950 you still have to pay for. Once you pay off that loan, you might be able to ask Capfin for a new loan for the amount of money you need.

I would like to settle my capfin loan account and if i do can i make another loan immediately.

If you would like to settle your Capfin loan account in order to ask for another loan, you should contact Capfin in order for them to make you a settlement offer. Once you have that offer, you can pay your loan off and ask Capfin for another loan. Please, bear in mind that you will still need to meet all Capfin requirements.

Hi my name is Shalufikile and I am only one month left to settle my instalment, my question is, do I have to finish the payments to be able to get another loan? and if I have paid up my loan how long does it take to qualify for another loan?

Hi, Shalufikile. Yes, for you to request another loan at Capfin you will need to finish paying your current loan. However, since you only have one instalment left, you will be able to ask for a new loan at Capfin as soon as you make the last payment this month.

I want to increase my existing loan.

In the event you were given a Capfin loan, you should be getting on your phone SMS from Capfin every month by which information about your loan is provided. Within this information, you should be getting an estimate of how much money you can borrow on top of your loan.

I have a loan, and I am left with one instalment to finish it by end of August. Do I qualify to top up?

If you already have a loan at Capfin, you should be receiving SMS every month informing about the amount you can borrow. However, if you are about to finish repaying the loan, you might qualify to ask for a new one. However, at the time you fill in the request for the new loan, you should meet with all requirements set by Capfin.

I want to apply on my loan and I want to know how much is available.

The amount of money that you will be able to add to your existing loan at Capfin will depend on your salary, your affordability and your credit record. Also, the size and term of the loan will also be considered by this company when evaluating how much money they can lend you.

My loan is still pending do I topup?

Top-ups are meant to be an addition to an existing loan, so there would be no problem for you to request one at Capfin. However, bear in mind that you need to be making your repayments on time and that an affordability check will be performed on you to see if you will be able to repay that additional amount of money.

Can I top up with another loan?

Top-ups are an extra amount of money that is added to your existing loan at Capfin. If you need a larger amount of money and therefore another loan, you will have to settle the loan you already have with this company. If you need a top up you can do it online and if you need a settlement quote, you will have to call to Capfin's contact center.

I have applied for a loan but I didn't get the money what could be wrong?

Are you sure you got a confirmation from Capfin saying that the loan was approved? If you are sure that you did, then you will have to contact Capfin to let them know about your situation. If you are unsure, it is likely that the application did not go through and that you will have to fill it out again.

How can i finish my loan and be able to.apply for another loan?

You can request Capfin to send you a settlement quote so that you finish paying your existing loan and be able to ask for a new one. To do this, you will have to contact Capfin over the phone and make the payment through direct deposit, EFT or at a PEP store.

Do i qualify for a top up loan?

For you to qualify for a top-up loan you need to be paying your loan repayments on time, be able to demonstrate that you earn money regularly by providing your latest payslips or bank statements. Also, you need to have a bank account and a phone number so that Capfin can inform you about their decision.

5000 top up loan.

You can try to request your top-up loan online. Remember that for you to do this you should be timely paying your repayment of the loan you have with Capfin. If you do not feel comfortably doing this online, you can contact Capfin or go to a PER or Ackermans store.

Was my application successful?

If you started your loan application online and did not get any message saying that the operation was successful, you might try again. If the application was declined, you should have received a message informing of such situation. If this was the case, you will have to wait thirty days before you can apply again.

Can I get another Loan while I'm still repaying?

If you already have a loan with Capfin, you will not be able to ask for a new one until you finish repaying that loan. However, if you need an extra amount of money, you could consider asking for a top-up to your existing loan. You can do this online.

I am earning a salary of R4200 after deductions can I get a loan at Capfin of R3000?

Apart from your salary, Capfin will determine if they can lend you R3,000 on the basis of your expenses, if you rent, credit history, and other factors. If you can prove that you have regular income from a permanent job or as a self-employed activity, then you would probably be able to ask for that amount of money.

I earn R6200, how much do I qualify for?

Capfin will need more information to come up with a decision as to how much money they can safely lend you. For instance, they will need to know your history of credit, if you have other loans, and if you are permanently employed. However, when you start your online application the system will let you know how much money you can request.

Want to know can I borrow again.

If you are a client of Capfin who has already asked for a loan and finished repaying for it, you can absolutely ask for a new one. Even though you are an existent client, Capfin will have to assess your affordability and check your credit history to see if you are fit to pay the loan back.

Hi I need a top up loan is it possible that I get a 5000 top up?

Capfin will evaluate if you can be provided a top-up for that amount by running an affordability check on you. If you are in good standing with your repayments and your credit score, then you might be able to ask for that amount. You can call Capfin or go to a PEP store to ask for the top-up.

If I only need a top up of R1500.

If you are paying your loan repayments on time, you will be able to ask for a top-up. Remember that Capfin will ask you to provide your South African ID, payslips or bank statements and your cellphone number. In order to request this top-up you can start the application online, send an SMS or go to an Ackermans store.

How do you get a loan if your first loan is fully paid and you need a new one?

If you have fully paid your latest loan with Capfin and have no installments left to pay, then you can ask for a loan renewal. In general, you are not asked to provide all the documents and information that you were asked for the first loan. You can ask for renewal or if you can have a new, different loan.

I need to top up my loan

If you need to top up your loan, there are some companies that enable clients to carry this process out and some others that do not allow it. Capfin allows you to ask or apply for a loan for a maximum of twenty four months, but it does not offer clients the possibility to top up their loans.

Hi I have a capfin loan that I’m still paying and I need a r2000 top up. Is it possible to get it?

Yes, it is possible that Capfin accepts lending you more money but, there are certain conditions to take into account. The bank will examine your financial state to confirm you can pay that top up loan you’re asking. Apart from that, how far have you gone paying your existing loan will also be crucial for Capfin to determine your new loan amount. All in all, you have to submit your application information again to have your response.

I need R5000, is it possible to obtain it?

Hi, yes, the company has a maximum of R 50 000 to offer its clients. You first need to gather the financial documentation stated in the article and then contacting the company to proceed with the application right away. The amount you are asking is a minimum that can be obtainable with no problem.

What is the lowest interest rate available?

It will depend on the loan you have chosen

I’m a member of Capfin. I don't have arrears. How much can I get for a personal loan?

Capfin’s quote starts at just a thousand rands and, finishes at fifty thousand rands. Depending on the amount of money you ask for, will be the repayment period available. If you request up to 8 thousands rands, you must pay the service in 6 months or less. If the amount you borrow is higher, the period expands up to 12 months. There may be special cases in which you may be allowed to have a 2-years payment period.

Capfin borrowed me R 5000 but its not enough. Im asking a top up, can i apply for it?

You can have access at Capfin to a loan of another amount which will mean closing the R 5000 loan you have and asking for a new one

Self employed can apply for the loan?

Capfin enables clients to apply for loans even though they are self-employed as long as they have the latest bank transactions and a guarantee of the loan

I want to top up my loan, how can I do that?

If you have a loan with Capfin, you can’t top up the loan. This entity only grants short term loans with fixed terms. You can try, if you have excellent credit score for instance, to apply for another loan the amount you need. In this case, you must study in detail the cost of each loan and be completely sure you can handle both loan payments avoiding getting in debt.

Hi. I have a 6-month loan with Capfin, can I extend the period to 24 months for R 30000? I really need it to fix my car to get back on the road. Thanks

If you are asking to add money to your loan, I must say that’s not possible with Capfin. You will have to concentrate on repaying what you already got in the first place. Now, if you need to extend the repayment period due to problems with the cancelation of the installments, you need to get in contact with Capfin’s assistance to try to get to an agreement.

Is the company open on Sundays?

No it is not

Hi. I’ve been working for a security company for 3 years, and I also work independently. Can I qualify for a loan?

To start, you comply with the requirements as regards your income as, Capfin demands their clients to have a steady job for at least three months before asking for the money. Guessing that you’re also from South Africa and meet the rest of the requirements, Capitec will pay attention to, the score of your credit to state if you qualify or not. You will be notified about this when you go through the loan application.

I would like to take a loan of r3000, how much would I have to pay monthly?

As you sure know, Capfin only allows to repay that amount over 6 payments. When you borrow R 6000 at Capfin, each instalment to pay is of R 733.48, leaving a total of R 4400.89 to pay for the loan. Of course, this is only an approximate cost as, the final rate and fees are established when you process the application.

How much will I pay for a r2500 loan? if I pay it over 2 years, would it be R300 per month?

Capfin’s loans work in a different way. This company has some fixed terms already stated. For a loan amount less than R 8000, you should cancel it in a maximum period of six months. So, you won’t be capable of extending that debt over 24 months. If you take R 2500 to cancel in six months, the payments would be around R 625.07 each month. Only if your quote is higher than R 8000, Capfin may allow you to repay it in 2 years.

After I pay one or two installments at Capfin, Can I ask to add some money to my loan?

This lending company isn’t known for offering top-up loans, as their main products are short term loans. Either way, with companies that do grant this service of adding money to the existing loan, paying only a couple of instalment won’t be sufficient to be approved for a top-up loan. The company will first make sure you show a responsible payment behavior before accepting increasing the amount.

I have an existing loan. I want to increase it, Is it possible?

As we have explained in the article, Capfin doesn’t increase loans already granted. That’s why it’s important to calculate how much money it’s needed before closing the deal. All you can do is to focus on finishing paying the instalments left of your loan. After that, you will have the chance of thinking about a new loan, if you really need more money.

I would like to top up my current Capfin loan, what do I have to do?

Unluckily, Capfin’s clients don’t have that service available. Once you apply for a certain amount and, that amount is approved and granted, there’s no chance of increasing it. You will have to finish paying and then, as long as you qualify, you may ask for a second loan. I must remind you that sometimes you have to wait 1 or even 2 years before taking up another loan.

I need R35000, can Capfin help me?

Yes, if you are South African and work, you can fill in the application form and submit the documents to help Capfin assets on your affordability. When you’re approved, you will receive the funds in less than 2 business days after the confirmation of the request. Provided that you qualify for the amount, you may get up to R 50000.

Can I get a loan if I still have one with Capfin?

The chances of having a second loan approved is not high if you haven’t finished paying for the previous one. What’s more, when canceling the loan, some banks require their clients to go over a free of loans period before granting them another one. It’s always a better alternative to cancel the current loan before borrowing more money.

Can I pay online?

Yes, you are allowed to do that

I’m a member of Capfin and I want to top up my personal loan to clear all my accounts so that I can only pay Capfin the personal loan only need 50000

It’s not possible to add up amount to your Capfin loan. However, you can take advantage by consolidating your debts into just one. If you decide to take this kind of loan, the bank will lend you money to pay off all your debts and then, you’ll just have to worry about repaying only one debt

Leave your rating about Capfin Top up Loan | Increase your Loan | Compare Options

Find the best loan of South Africa

© 2008 - 2023 quotesAdvisor.com® All rights reserved.