Banking & Finance · Contact details
Capitec Loan Contact Details
The Capitec loans number is 0860 66 77 89, the line Capitec gives for applying for personal credit or asking about a loan you already have. If the problem is a missed or late repayment, the collections side is a different team: call 0860 66 77 18 or email CentralisedCollections@capitecbank.co.za with your loan account number in the subject line. Every detail below was read on capitecbank.co.za and capitechomeloans.co.za on 16 September 2026.
ContactDetails.co.za is an independent directory. We are not Capitec and cannot see a loan application, a balance or a repayment arrangement.
Capitec loans contact details
| What it is for | Contact |
|---|---|
| Apply for a Personal Loan, Access Facility or other personal credit, or ask about an existing loan | 0860 66 77 89 |
| Help with loan repayments by phone | 0860 66 77 18 |
| Help with loan repayments by email | CentralisedCollections@capitecbank.co.za, with your loan account number in the subject line |
| Help with loan repayments by WhatsApp | 072 822 1582 (Capitec says to check for the verified green tick) |
| Help with loan repayments by SMS | SMS your 13-digit ID number to 30679 and follow the prompts |
| Credit insurance claim on a loan (death, disability, retrenchment, loss of income) | InsuranceClaims@capitec.com, or send “Hello” to WhatsApp 067 418 9565, or visit a branch |
| Capitec Home Loans (assessed and approved by SA Home Loans) | 0861 200 300, info@capitechomeloans.co.za |
| Anything else on your account, 24 hours | Client Care Centre 0860 10 20 43 |
Capitec does not publish operating hours for the two credit lines, a separate email address for new loan applications, or a direct number for its Vehicle Loan. Its contact page gives no address for its credit team; in-person help is at a branch, found with Find a branch on capitecbank.co.za.
Applying for a Capitec loan
The Capitec Personal Loan goes up to R500 000, repaid over 12 to 84 months at a personalised rate that Capitec says starts at 12.50% a year. You can apply online, on the app, on 0860 66 77 89 or at a branch.
The other loans are routed differently. The Access Facility (revolving credit of up to R500 000 over up to 60 months) uses the same 0860 66 77 89 line. The Vehicle Loan is applied for through partner links to WeBuyCars and The Car Place, or by taking a quote or invoice for the car to a branch; if you get an offer, a consultant contacts you to finalise it. Capitec Home Loans are originated by Capitec but assessed and approved by SA Home Loans, which has its own contact details.
What to have ready and what it costs
The Personal Loan carries a once-off initiation fee of R1 207.50 and a monthly service fee of R69, and credit insurance is compulsory on every Personal Loan. Capitec asks for your original ID (you must be 18 or older), your latest salary slip, and a bank statement showing your last three consecutive salary deposits if your salary is not paid into a Capitec account.
Capitec Bank Limited is registration number 1980/003695/06, an authorised financial services provider (FSP 46669) and a registered credit provider (NCRCP13). SA Home Loans, which carries the home loan agreement, is registered separately as NCRCP1735.
If you are struggling to repay a Capitec loan
A credit insurance claim must be reported within 12 months of the event, and Capitec then allows 3 months to send the supporting documents, such as the employer’s termination letter for retrenchment or medical reports for disability. The cover is underwritten by Capitec Life Limited.
If you are struggling to repay, Capitec lists several options on its credit hub. Your credit account must be at least 4 months old before you can reduce or restructure the instalment. A temporary reduction can run for up to 4 months, manageable arrears can be caught up over 2 to 6 months on top of the normal instalment, and a payment break is available if you have been retrenched, are on unpaid maternity leave or are affected by a protected strike. Capitec notes that a restructure may show on your credit profile.
How to escalate a Capitec loan problem
- Call 0860 66 77 89 for a loan query, or use one of the repayment channels above if you are behind.
- If that does not resolve it, lodge a complaint through Get in touch on capitecbank.co.za and keep the case number.
- Escalate an unresolved complaint to ComplaintManagement@capitecbank.co.za, quoting that case number.
- If Capitec’s final answer does not settle it, the National Financial Ombud Scheme handles banking and credit disputes at no cost: 0860 800 900, info@nfosa.co.za.
Capitec’s scam guidance says not to pay upfront for a loan. If a message offers a Capitec loan for a fee, phone 0860 66 77 89 yourself before paying anything.
Frequently asked questions
What is the Capitec contact number for loans?
0860 66 77 89 for applying or asking about a loan. Repayment help is 0860 66 77 18, and general account queries go to the Client Care Centre on 0860 10 20 43, 24 hours.
Can I apply for a Capitec loan by SMS?
The published SMS route is for repayment help, not new applications: SMS your 13-digit ID number to 30679 and follow the prompts. New applications go through the app, online, 0860 66 77 89 or a branch.
Does Capitec have a WhatsApp number for loans?
Yes, two: 072 822 1582 for repayment help, and 067 418 9565 for credit insurance claims (send “Hello”). Capitec says to check for the verified green tick.
What is the Capitec loan email address?
CentralisedCollections@capitecbank.co.za for repayment help (loan account number in the subject line), InsuranceClaims@capitec.com for credit insurance claims, and ComplaintManagement@capitecbank.co.za for escalated complaints.
How do I get a payment break or reduced instalment on my Capitec loan?
Through the credit hub on capitecbank.co.za or the repayment channels in the table. The account must be at least 4 months old; a temporary reduction runs up to 4 months, arrears can be caught up over 2 to 6 months, and a payment break applies to retrenchment, unpaid maternity leave or a protected strike.
Sources
- capitecbank.co.za: Contact us, Talk to us about your credit, repayment options, Personal Loan, Access Facility, Vehicle Loan, Home Loan and credit insurance claims pages, read 16 September 2026
- capitechomeloans.co.za: Contact Us, read 16 September 2026
- nfosa.co.za published contact details