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Are There Capitec Bank Loans in Gauteng? Locations and Phone Numbers

Loans at Capitec Bank

Capitec Bank is a regional bank where you can find banking as well as lending products. At Capitec Bank, you can get banking products, such as personal checking accounts, savings accounts, credit cards, retirement plans, savings plans, home banking and online banking, and borrowing or lending products, such as personal loans, cash loans and home loans. In the article that comes next, we will go over some general information about some of the borrowing options you can find at Capitec Bank that are available in your province.

>Personal Loans

Personal loans at Capitec Bank will enable you to get the extra cash you need to make purchases, invest, or pay for college or any other major expenses. With a personal loan from Capitec Bank, you can obtain between R4 000 and R250 000 and repay the amount you have borrowed in up to 84 months (up to 7 years).

>Multi Loans

Multi loans are loans for those customers who need to borrow R4 000 or less and can repay the amount in a couple of months. These loans are also called cash loans because you will get the small amount of money in cash almost immediately after your loan approval and you will be able to use it for urgent needs or expenses.

>Home Loan

Home loans are the type of loans customers apply for when they need to purchase or renovate their homes. You can get a loan of up to R5 million (depending on your eligibility) and re pay it in up to 7 years. Capitec Bank grants home loans through another company called SA Home Loans and offers excellent rates for first-time home buyers.

Loan Requirements, Interest Rates and Online Rates Calculator

Eligibility requirements for loans at Capitec Bank in the province of Gauteng are quite flexible. In order to apply for any kind of loan at Capitec, you need to show proof of your residence (that is to say, proof of your current address with a utility bill or any other piece of mail) and proof of your income (which means you need to hand in copies of your last two pay stubs). As you can see, it is compulsory to have a stable job to be able to get a loan at Capitec Bank and self-employed customers cannot have access to Capitec Bank’s borrowing products. You will also need to show bank statements of the last 3 months and a copy of your South African ID card to the representative. Some of the other requirements are that you need to be at least 18 years old and no more than 60 years old. You will also need to complete an application form online or at a local branch. After you submit the application, the bank will ask you to hand in all the documentation and will determine your credit eligibility. They will also let you know about the interest rate you qualify for. Before applying, you can use the online rate calculator that is available on their website With the rate calculator, you can introduce the loan amount you need and choose the loan term that better suit your pocket and the system will provide you with an estimate of the minimum and maximum rate you can get and an estimate of your monthly payments.

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Capitec Bank Branches in Gauteng

Next, we are going to mention some of the main branches located in Gauteng, mainly in Johannesburg, Pretoria, Sandton, and Kempton Park as well as in other areas of Gauteng. Here, you will find the address for each branch and the telephone number for those branches who have a particular telephone number other than the general customer service line who operates with all branches. We hope you find a close branch on this list and, if you do not find it, you are more than welcome to search for your closest local branch with your zip code or city on Capitec Bank’s website Remember that all branches have minimum open hours from Monday to Friday, from 8:00 am to 5:00 pm and Saturday between 8:00 am and 1:00 pm. Some branches are also open on Sundays but none of the branches will be open on public holidays. Most branches have ATMs and there are also individual ATMs strategically located across the province of Gauteng and the rest of the country.

In the area of Johannesburg, you can walk into the branch that is located in Campus Square. The addres for this branch is Shop No. 58, Campus Square, Corner of Kingsway Avenue & University Road, Johannesburg, 2092 and their phone number is 27 11 482 3271.

Another branch you can visit is you are in Johannesburg or nearby is the Capitec Bank branch loacated in Greenstone Shopping Centre. The address to the branch located in Greenstone Shopping Centre is Shop L053, Greenstone Shopping Centre, Modderfontein Rd, Johannesburg, 1609. You can contact the Shop L053, Greenstone Shopping Centre branch by dialing out the number 27 11 452 7055.

If you reside in Pretoria, there are several branches you can walk into. One of these branches is the Capitec Bank branch located in Kolonnade Shopping Centre. The address to this branch in Pretoria is Bank Zambezi Drive:Kolonnade Shopping Centre 1 Sefako Makgatho Dr, Pretoria, 0151 and you can call this branch by dialing out their customer service line at the number 27 12 548 2172. Or, you can visit the branch that is at 512 Van Der Hoff Rd, Pretoria, 0182 or call them at the number 27 12 379 0286.

If you live in Gauteng but you do not live in Johannesburg or Pretoria or any area near these two cities, you can search for other branches within Gauteng with your zip code, on the company’s website

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Questions and answers

What's the maximum interest rate you can get for a personal loan?

There is no maximum interest rates; however, rates are generally no more than 30%

Can I apply online?

Yes. You can apply online on your computer or on your smartphone.

Do they have branches in Cape Town?

Capitec Bank has branches in almost every province in South Africa.

Leave your rating about Are There Capitec Bank Loans in Gauteng? Locations and Phone Numbers

I like Capitec Bank because they always find solutions to my problems.

Excellent rates.

They have so many branches near my home.

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