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Capfin Contact Details

Verified 26 September 2026Updated 4 October 2026Official source onlyIndependent directoryPublished by Silas T Nkoana, Cape TownReport a wrong number

The Capfin WhatsApp number is 066 000 0683 and the Capfin contact number is 087 354 0000, a call centre open weekdays from 08:00 to 18:00. Capfin’s USSD code is *134*6454# and its email address is info@capfin.co.za. To report fraud, Capfin’s fraud line is 087 354 0033 (weekdays 08:00 to 17:00), or email fraudreport@capfin.co.za, which Capfin describes as a 24/7 report line. Capfin’s office is at 1 Industrie Street, Kuils River, Cape Town, 7580. Every detail below was read from capfin.co.za, first on 14 September 2026 and most recently on 4 October 2026.

Capfin contact details at a glance

ChannelContactHours
Telephone (customer service)087 354 0000Weekdays 08:00 to 18:00
WhatsApp066 000 0683Not stated
USSD*134*6454#Not stated
Emailinfo@capfin.co.zaAny time
Fraud line087 354 0033Weekdays 08:00 to 17:00
Fraud report emailfraudreport@capfin.co.za24/7
Collections (payment arrangements)087 285 1234Not stated
Apply by SMS33005
Document submission emaildocs@capfinmail.co.za (SA ID number in the subject line)
Fax086 688 0000
Legal departmentlegal@capfin.co.za
Abacus Life credit life claims0800 777 444 (toll-free)
Office1 Industrie Street, Kuils River, Cape Town, 7580

Capfin WhatsApp number and USSD code

Capfin lists WhatsApp on 066 000 0683 and the USSD code *134*6454# as contact options on its website, alongside the phone line. It does not state hours for either. USSD works from any phone without the internet, which is useful if you do not have data. Save the WhatsApp number in your contacts before messaging it, and have your ID number or Capfin account details ready so Capfin can find your loan. Only use the numbers shown on capfin.co.za: scammers sometimes pose as lenders on WhatsApp and social media.

Capfin customer service number and hours

The Capfin customer service number is 087 354 0000. It is the line for questions about a loan application or an existing loan, settlement quotes, and changes that a consultant has to make. Capfin’s contact page lists telephone hours of weekdays 08:00 to 18:00 only; it does not list Saturday, Sunday or public holiday hours for the phone line. Outside those hours, send a WhatsApp to 066 000 0683, dial *134*6454#, email info@capfin.co.za or use the “Send us a message” form on capfin.co.za.

So what time does Capfin close? The Capfin phone line closes at 18:00 on weekdays, and the fraud line at 17:00. Capfin lists no walk-in branches of its own, only its office in Kuils River. Applications and document scanning happen at PEP and Ackermans stores, which keep their own trading hours.

Capfin call me back number

Capfin does not publish a call me back number or web chat on capfin.co.za. On Capfin’s own site, use WhatsApp 066 000 0683 or the “Send us a message” form.

Capfin balance check number

Capfin does not publish a dedicated balance check number. To check your Capfin balance online, log in to “My loan account” at capfin.co.za/login with your SA ID number and a One-Time-PIN sent to the cellphone number you registered with. You can also dial *134*6454# or call 087 354 0000. A settlement quote is not the same as your balance: it adds unpaid interest, fees and Capfin Life insurance up to the settlement date.

Capfin change phone number: how it works

To change your cellphone number, call a Capfin consultant on 087 354 0000. It cannot be done online, because the login One-Time-PIN only goes to the number you registered with. To change your bank account or debit order date, log in and use “Change My Payment Details” under “Your Active Loans”, or “Change Payment Details” under “My Details”, or call 087 354 0000. Your bank may ask you to approve a DebiCheck authentication.

Capfin fraud line

If you suspect fraud involving a Capfin loan, contact Capfin’s fraud department on 087 354 0033 (weekdays 08:00 to 17:00) or email fraudreport@capfin.co.za at any time. Capfin’s fraud alert page also publishes guides on identifying fraud, preventing identity theft, spotting fake social media accounts and protecting yourself from scams. Never share your banking PIN or one-time passwords with anyone who contacts you claiming to be from Capfin.

Capfin payments, arrangements and settlement

Capfin deducts your monthly instalment from the bank account you gave when your loan was approved. Other ways to pay listed in its FAQs are a bank deposit using your Capfin Personal Loan account number or ID number as the reference, an in-store payment at PEP, Ackermans or any Pay@ outlet using the Pay@ reference Capfin gives you, and the Capfin Pay@ payment portal linked by SMS when you set up a payment arrangement. If you cannot pay an instalment, contact Capfin’s Collections Department on 087 285 1234, log in to your online profile, or use *134*6454# to make an alternative payment arrangement; Capfin notes that non-payment will harm your credit record.

To settle your loan, get a settlement quote by calling 087 354 0000, logging in to your profile or using *134*6454#, then pay by direct deposit, EFT or Pay@. Capfin says a settlement quote is valid until the date you choose and never for more than 21 days, and it includes unpaid interest, fees and Capfin Life insurance up to the settlement date. For a settlement quote or letter, the contact number is 087 354 0000. Capfin’s FAQs do not describe a separate paid-up or settlement letter process.

Capfin email addresses: legal department and documents

Capfin’s legal department is at legal@capfin.co.za. Request loan documents in Afrikaans, Sesotho, isiZulu or isiXhosa from that address. Free Death Benefit claims, for loans paid out before 22 June 2023, go to info@capfin.co.za or legal@capfin.co.za with the deceased’s ID, the death certificate and Letters of Executorship if applicable. Credit life claims are handled by the insurer, Abacus Life, on 0800 777 444.

After applying, email your documents to docs@capfinmail.co.za with your SA ID number in the subject line, or fax them to 086 688 0000 with your SA ID number written on them. You can also upload them on capfin.co.za (Upload docs), have them scanned at any PEP or Ackermans store, or, with your permission, let Capfin fetch them if you bank with ABSA, African Bank, Standard Bank or Nedbank.

Capfin loans in brief

Capfin offers personal loans, and its online calculator covers amounts from R1,000 to R50,000 over 6, 12 or 24 months. Capfin says the amount it can lend depends on your credit application and affordability assessment. Its process has three steps:

  • Do I qualify? Use the loan calculator to see potential repayments and complete a quick application for a personalised pre-approval offer within minutes.
  • Can I afford it? Submit your detailed income and expense information so Capfin can assess affordability and give final approval.
  • Let’s finalise it: choose your loan amount, provide your banking details and upload the required documents. Capfin says you can access your loan within 48 hours.

According to Capfin’s FAQs, you need a valid South African ID, your three latest payslips or bank statements, permanent employment with a monthly salary, a valid cellphone number and a bank account with a supported bank, and you must be 18 or older. You can apply online at capfin.co.za, by SMS to 33005, or at any PEP or Ackermans store. If your application is declined, you can reapply after 30 calendar days. For questions about a loan application or an existing loan, call 087 354 0000 on weekdays or use WhatsApp.

Capfin head office, HR, Namibia and Durban

Capfin does not publish an HR or careers contact, Namibia contact details or a Durban office. Its only office is at 1 Industrie Street, Kuils River, Cape Town. It also says nothing on its site about accounts sold to Capital Data. For any of these, the published route is 087 354 0000 or info@capfin.co.za.

Before you contact Capfin

  • Have your South African ID number and your Capfin account or application reference ready.
  • Use the phone number linked to your Capfin account when you WhatsApp or dial the USSD code.
  • For a payment query, have the date and amount of your last payment.
  • Never share your banking PIN or one-time passwords with anyone who contacts you claiming to be from Capfin.

Frequently asked questions

What is the Capfin WhatsApp number in South Africa?

066 000 0683. Capfin lists it on its contact page without stating hours.

What is the Capfin contact number?

087 354 0000, weekdays from 08:00 to 18:00. The email address is info@capfin.co.za.

What are Capfin’s working hours?

The Capfin contact centre on 087 354 0000 works weekdays from 08:00 to 18:00. No weekend or public holiday phone hours are published.

What is the Capfin balance check number?

There is no dedicated balance check number. Log in at capfin.co.za/login, dial *134*6454#, or call 087 354 0000.

How do I change my phone number on Capfin?

Call a consultant on 087 354 0000. The number cannot be changed online.

How do I get Capfin to call me back?

Capfin does not publish a call me back route on its own website. Call the Capfin call centre on 087 354 0000 instead.

What is the Capfin fraud line?

087 354 0033, weekdays 08:00 to 17:00, or fraudreport@capfin.co.za at any time.

Sources

  • Capfin Contact Us page, capfin.co.za/contact-us, read 14 September 2026
  • Capfin Fraud Alert page, FAQs (applications, payments, settlement) and home page, capfin.co.za, read 14 September 2026
  • Capfin Contact Us page, FAQs (capfin.co.za/faq), Fraud Alert page, About Us page and home page, capfin.co.za, read 26 September 2026
  • PEP contact page (Capfin call back SMS), pepstores.com/pages/contact, read 26 September 2026
  • Capfin FAQs, capfin.co.za/faq, read 4 October 2026
  • Capfin Contact Us page, capfin.co.za/contact-us, read 4 October 2026