Banking & Finance · Contact details
Capfin Loan Contact Details
A Capfin loan application is made online at capfin.co.za, by SMS to 33005 or at any PEP or Ackermans store, and questions about an application or a loan you already have go to 087 354 0000 (weekdays 08:00 to 18:00) or info@capfin.co.za. Loan documents go to docs@capfinmail.co.za with your SA ID number in the subject line. Capfin’s WhatsApp number is 066 000 0683, and a Capfin Credit Life claim goes to the insurer, Abacus Life, on 0800 777 444. These details were read on capfin.co.za and abacus-insurance.co.za on 16 September 2026, and the Capfin FAQs again on 4 October 2026.
ContactDetails.co.za is an independent directory. We are not Capfin and cannot take a loan application or see a loan balance, a statement or an application’s status.
Capfin loan contact numbers
| What it is for | Contact |
|---|---|
| Loan application and existing loan queries, new cellphone number, checking whether documents on file are still valid | 087 354 0000, info@capfin.co.za |
| Sending payslips, bank statements or ID after applying | docs@capfinmail.co.za (SA ID number in the subject line), fax 086 688 0000, or the upload tab on capfin.co.za |
| Help by SMS | SMS “HELP” to 43679, as listed in Capfin’s loan terms |
| Missed instalment or payment arrangement | Collections Department 087 285 1234 |
| Report fraud | 087 354 0033 (weekdays 08:00 to 17:00), fraudreport@capfin.co.za |
| Capfin Credit Life claim (death, disability, loss of income) | Abacus Life 0800 777 444, claims@abacus-insurance.co.za |
| Abacus Life customer care | 087 654 8222 (share-call), customercare@abacus-insurance.co.za |
| Free Death Benefit claim by family or executor | info@capfin.co.za or legal@capfin.co.za |
| Loan documents in Afrikaans, Sesotho, isiZulu or isiXhosa | legal@capfin.co.za |
Capfin’s office is at 1 Industrie Street, Kuils River, Cape Town, 7580. Capfin is a division of Pepkor Trading (Pty) Ltd and a registered credit provider, NCRCP13053. The contact centre is open on weekdays from 08:00 to 18:00; WhatsApp 066 000 0683 and the USSD code *134*6454# are listed as further channels. Abacus Life’s claims lines run Monday to Friday, 08h00 to 17h00.
Capfin loan application: where and how to apply
Capfin’s FAQs give three ways to apply: online at capfin.co.za, by SMS to 33005, or in person at any PEP or Ackermans store nationwide. Online, you select the Apply Now button and create a profile that can only be opened with your SA ID number and a One-Time-PIN sent to the cellphone number you registered with. To finish an application you started, log in with your SA ID number, enter the One-Time-PIN and follow the instructions.
Capfin says you need the following to apply:
- a valid SA ID, and you must be 18 or older
- your three latest payslips or three latest bank statements
- permanent employment with a monthly salary
- a valid cellphone number
- a valid SA bank account with a bank Capfin supports: Standard Bank, ABSA, FNB, Nedbank, Capitec, African Bank or TymeBank
You only see what you qualify for by applying: Capfin prepares a loan offer, which can still change after its affordability assessment and further credit checks. If your application is declined, Capfin says you may reapply after 30 calendar days. For help with an application, call 087 354 0000 on a weekday.
Sending your documents to Capfin
After applying, email your documents to docs@capfinmail.co.za with your SA ID number in the subject line, fax them to 086 688 0000, use the upload tab on capfin.co.za, or have them scanned at a PEP or Ackermans store. The documents mailbox sits on capfinmail.co.za rather than capfin.co.za. That address is printed in Capfin’s own FAQs, so it is genuine, but type it exactly and do not send documents to any other variation.
If you have borrowed from Capfin before, the contact centre on 087 354 0000 can tell you whether the documents on file are still valid for a new loan application.
Capfin loan WhatsApp number
Capfin lists WhatsApp on 066 000 0683 as a contact channel next to its phone line and the USSD code *134*6454#. The pages we read do not state WhatsApp hours or say which loan tasks can be completed there, so for anything that needs a consultant, such as changing your cellphone number, use 087 354 0000. For help by SMS, Capfin’s loan terms say to SMS “HELP” to 43679.
Pay-out, DebiCheck and statements
Pay-out and DebiCheck. An approved loan is paid within 48 business hours, but only once you approve Capfin’s DebiCheck mandate through your bank. If you have not confirmed it within 48 hours, the loan is not paid. You must approve a new mandate whenever you change your bank details or pay date, or if the loan is rescheduled.
Statements and debit orders. Capfin’s loan terms say you receive an updated statement every three months by SMS, with a link to the statement. The debit order shows as “Capfin” on your bank statement, and December instalments may be collected from the Friday before 14 December. If the account falls into arrears, Capfin may collect up to one and a half times the instalment on top of the normal instalment. To move your pay date or bank account, log in and use “Change My Payment Details” under Your Active Loans, or “Change Payment Details” under My Details.
If you are going to miss an instalment, phone the Collections Department on 087 285 1234 to make a payment arrangement.
Loan amounts, costs and credit life
Capfin lends up to R50 000, depending on an affordability assessment of your income, expenses, credit profile and payment behaviour. Its FAQ gives this cost example for a first loan of R4 000 over 12 months, at July 2026 rates: maximum interest 28% a year, an initiation fee of R535, a maximum monthly service fee of R69, credit life of R14 a month, a maximum instalment of R516 and a maximum total repayment of R6 190. The same FAQ describes 6 and 12 month terms but also shows a 24 month example, so check the term on your own quotation.
Credit life. Credit life is required with every Capfin loan, costs R5.50 a month per R1 000 borrowed, and settles the outstanding balance on death, disability or loss of qualifying income. You may replace it with your own equivalent policy, and cancelling needs 31 days’ written notice to the insurer. There is no waiting period for death or disability claims; loss-of-income claims carry a three month waiting period on loans longer than six months. For a death claim, Abacus asks for a copy of the deceased’s ID. Claims go to Abacus Life on 0800 777 444 or claims@abacus-insurance.co.za, and general policy questions to Abacus Life customer care on 087 654 8222 or customercare@abacus-insurance.co.za.
Loans paid out before 22 June 2023 also carry Capfin’s Free Death Benefit, which writes off the outstanding balance: the family or executor emails the ID, the death certificate and, where applicable, letters of executorship to info@capfin.co.za or legal@capfin.co.za, and Capfin then verifies the death itself.
Loan fraud and complaints
If you suspect fraud involving a Capfin loan, for example a loan taken out in your name without your knowledge, report it to the fraud line on 087 354 0033 (weekdays 08:00 to 17:00) or fraudreport@capfin.co.za. For a complaint about a loan, the route is:
- Lodge the complaint with Capfin on 087 354 0000 or info@capfin.co.za, the route named in its loan terms.
- For a disputed credit life claim, write to complaints@abacus-insurance.co.za.
- If the outcome is still unsatisfactory, take it to the National Financial Ombud Scheme on 0860 800 900 or info@nfosa.co.za. Capfin’s loan terms still name the Credit Ombudsman, but that office now forms part of the National Financial Ombud Scheme, so use the NFO details above.
- A breach of the National Credit Act can be reported to the National Credit Regulator on 0860 627 627 or complaints@ncr.org.za.
Frequently asked questions
How do I apply for a Capfin loan?
Apply online at capfin.co.za with the Apply Now button, SMS 33005, or visit any PEP or Ackermans store. You need a valid SA ID and your three latest payslips or bank statements.
What are the Capfin loan contact numbers?
087 354 0000 for application and loan queries (weekdays 08:00 to 18:00), 087 285 1234 for the Collections Department, and fax 086 688 0000 for documents.
What is the Capfin loan WhatsApp number?
Where do I email my Capfin loan documents?
docs@capfinmail.co.za, with your SA ID number in the subject line. General loan queries go to info@capfin.co.za.
How long does a Capfin loan take to pay out?
Within 48 business hours of approval, once you have approved the DebiCheck mandate request from your bank.
My Capfin loan application was declined. When can I apply again?
Capfin says you may reapply after 30 calendar days.
Sources
- capfin.co.za: FAQs (loan products, applications, payments, DebiCheck, credit life, Free Death Benefit), Contact Us and loan Terms and Conditions, read 16 September 2026
- abacus-insurance.co.za: Contact Us, read 16 September 2026
- nfosa.co.za published contact details
- Capfin Fraud alert page, capfin.co.za/fraud-alert, read 4 October 2026
- Capfin FAQs (loan application enquiries), capfin.co.za/faq, read 4 October 2026