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Capfin Personal Loan Calculator

Our Capfin personal loan calculator will help you compare your possible loan options. It will help you budget by calculating your likely monthly repayment of a certain loan amount over a set period.

Once you input the amount, simply adjust the loan term and then click ‘Calculate Repayment’. You will then see what the likely monthly payment will be. This way you can budget better.

Calculate repayments

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Get up to R250 000 over 1 – 84 months. Choose between the amount you want, the monthly installment that suits your pocket, or the option that gives you the lowest interest rate. Credit is approved in minutes and the money is available immediately. Pay fixed monthly repayments.
MoneyShop find the best loan suited to your profile with SA’s top loan providers. They have partnered with SA’s top personal loan providers to make your online application process quick and easy! Have a regular income of more than R4,000, bank statements and your SA ID? Apply online today.
Get up to R250 000 over 1 – 84 months. Choose between the amount you want, the monthly installment that suits your pocket, or the option that gives you the lowest interest rate. Credit is approved in minutes and the money is available immediately. Pay fixed monthly repayments. provides factual information in relation to financial products. While attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at the time of publishing. The information published on is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with recommends that you read the relevant product disclosure statement or product guide before taking up any financial product offer. For more information please see's Terms of Use and Services Guide.

Minimum and maximum loan periods vary between 1 months and 10 years. Comparison interest rates vary between 6.55% and 60% p.a. Total interest repayments vary between R685.05 and R844.12 over the life of the loan. *Comparison rate is based on an unsecured loan of R20,000 for a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

Make smart choices with our Capfin loan calculator

Capfin personal loans in South Africa get you that extra money to cover special situations. There are times when you have bills or credits that need to get paid immediately. Other times you just want to take a holiday or furnish your house with nice items. You can do this and more using a Capfin personal loan, but it’s still important to make smart choices when borrowing. In this article, we introduce the Capfin loan repayment calculator to help you borrow and spend money wisely.

What is the Capfin loan repayment calculator?

This estimator helps you calculate the monthly repayment amount for Capfin personal loans. Before you use it, there are 2 pieces of information you need to know, and these are the amount and the term or duration of the loan. Knowing this information before you apply is very useful. Just plug in your desired cash amount and time amount and let the budget appraiser do the rest.

Why should you use the Capfin personal loan calculator?

When you use the Capfin calculator for personal loans, you get immediate results. It does not require a lot of time and effort to use, but you still get valuable and fast insights to help you prepare for your application. When you borrow money and receive some extra cash, it is always exciting. But since you have to repay the debt, it is best to enter the loan agreement with as much information as possible.

Borrowing money you can’t afford means you increase the chances of being unable to pay it back. This, in turn, leads to financial problems such as penalty fees, legal action taken against you, crippling debt situtions, and finding yourself with a bad credit score. At CompareLoans, we absolutely recommend that you use the evaluator. It will not only take a few minutes of your time, but the information you get is also worth it.

How does the Capfin loan calculator work?

As we have mentioned before, the Capfin repayment calculator is very simple to use. Simply follow the instructions outlined below and enter the required information:

  • Provide the amount: Start by entering your desired amount. This is done by using the first sliding tool and adjusting until you get the correct value.
  • Provide the term: The next step is to use the second sliding tool to choose your preferred term.
  • Calculate: Press the “Calculate Repayment” button to get instant results.
  • Get another result: You can use the Capfin calculator freely and as many times as possible. Each time you’ll get immediate results. Another good thing about this tool is it also includes the interest and other charges in the monthly payment result.

What are Capfin loan interest rates?

This personal loan calculator not only shows you how much you have to pay back each month, but it also helps you get an idea of your credit’s total cost. When calculating your results, the estimator takes into account the following:

  • The amount you’re borrowing;
  • The amount of time you will take to repay the money;
  • Interest costs;
  • Other charges or fees such as the initiation fee or monthly service fee; and
  • How many times you’ll be making payments.

Here’s an example you can get after using the tool:

  • Amount: R20 000
  • Term: 12 months
  • Monthly repayment amount: R2079.93
  • Number of instalments: 12
  • Estimated total cost: R24 959. 14
  • Amount paid for interest and fees: R4959.14

The total cost gives you a bigger picture of the actual cost of borrowing, which influences you to borrow wisely. Please note that the information supplied above is subject to confirmation.

How does the Capfin loan amount affect your monthly repayment?

Choosing a larger amount means that your monthly instalment amount will be higher if all things stay constant. For example, if you borrow R15 000 from Capfin for 12 months, you will have to pay R1605.23 every month. However, if you borrow R20 000 for the same 12 months, you’ll have to pay R2079.93.

How does the Capfin loan term affect your monthly repayment?

The duration you choose affects your monthly payment amount. It also affects how much interest you’ll end up paying. A longer term will give you lower monthly payments, which might seem like a good thing. However, since interest gets charged for every month, if you take longer, the total cost will likely end up being higher. Compare the difference using the Capfin calculator when making your affordability assessment.

Benefits of the Capfin personal loan calculator

Calculating your Capfin monthly instalments before applying for, and receiving your finance, offers a lot of advantages:

  • You can adjust the values many times so that in the end, you find an affordable solution that agrees with your budget.
  • The estimator helps you to plan the monthly costs of paying off your debt. When you use the tool, you have a visual understanding of what you can afford according to your salary, income, or monthly budget.
  • The biggest benefit is you’ll be able to plan smartly and borrow money that you can pay back in the best way possible.

After using the Capfin loan calculator here’s how to apply

Established in South Africa, in 2010, Capfin is a reputable credit provider that’s fully registered with the National Credit Regulator. Capfin offers flexible and affordable loans of up to R50 000. Its services are open to South Africans who meet the following general requirements:

  • South African ID;
  • Latest payslips and bank statements;
  • A regular monthly income; and
  • A South African bank account.

If you meet the lender’s requirements, you can begin the online application right here on this page by clicking the correct “Go to Site” button. This enables you to visit the Capfin website and fill in the application form. After you receive the money, you can make your calculated repayments at a PEP or Ackermans store.

More about Capfin in this short video

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