Home Loans



RSA Only

The benefits of a loan:

Receive 80 A.Rewards Stars and FREE access to your account via the CapfinDirect self-service tools, both online and via USSD.

It’s quick and easy to apply:


Step 1: Take your SA ID and latest proof of income to your nearest Ackermans store.


Step 2: Scan your SA ID and latest proof of income at the till and get a confirmation SMS.


Step 3: Capfin will call you to process your loan agreement and payout.


what do I need to apply?


SA ID book


Bank account


Proof of income


Cellphone number


A Capfin consultant will call you to process your loan application.

The following will be discussed:

  • We confirm that you are employed, have an SA bank account and that you qualify for the loan you are applying for.
  • Should you meet the criteria, we will discuss the loan offer and your monthly repayment.
  • We check that you can afford the monthly repayment.
  • We capture your address, employment details and banking details.
  • We read you a National Credit Act Compliant Pre-agreement Quotation and Loan Agreement.
  • As soon as you accept the Loan Agreement, we pay the money into your bank account.


Loan repayment example
Repayment term 6 months 12 months 24 months
Loan amount R4 000 R4 000 R4 000
Max interest rate 5% pm 28% pa 28% pa
Initiation fee R530.10 R530.10 R530.10
Monthly service fee R68.40 R68.40 R68.40
Monthly instalment R960.63 R505.53 R317.02
Total loan repayment R5763.78 R6066.36 R7608.48

*This offer does not constitute an offer for credit. Application and approval required. Instalments depend on the exact number of days of the loan.

Click here to calculate your monthly instalment


Capfin is a division of Century Capital (Pty) Ltd.
Century Capital is a registered credit provider, NCRCP74.
Your loan application is subject to an affordability assessment and Capfin’s Credit Policy.
Ts&Cs apply.

You can call the Capfin Contact Centre or use the CapfinDirect facility to obtain a settlement quote, and make payments via the following options:



Call Centre: 087 354 0000


SMS “LOAN” to 43679 and a Capfin consultant will call you back.


USSD: *120*5566#
USSD rates charged at 20 cents per second.



Read More

SMSs charged at standard rates. Free SMSs do not apply. Terms and conditions apply.