Capitec loan without payslip fast and easy

Capitec loan without payslip

Capitec loan without payslip fast and easy for you.

So while looking for Capitec loan without payslip I guess you wanted some cash for something urgent and were short of ideas.

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You can apply for a loan of up to R250000 and use it for whatever you want.

One of the first things that Capitec requires from customers who are looking for a loan is to provide a payslip showing at least the last three salary payments you have received and your most recent pay.

This is important to show that you will be able to repay the particular loan you are requesting from the bank.

To get more details read How to apply for a temporary loan at capitec easy

Do not worry your head if you do not have a payslip because this article teaches you how to get a Capitec loan without a payslip.

What is Capitec loan?

Capitec is a South African financial institution with extensive products and services. It provides banking services for both personal and business customers.

You can get a loan of up to R249999 via their online portal.

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With 120,000 clients creating new accounts each month, Capitec Bank, a South African retail bank, was the second-largest bank in the country by the number of customers as of August 2017.

According to the 2015 Chief Financial Officer’s Report, the bank would retain 500 retail locations nationally by 2021, 3418 own or partnership ATMs, and more than 6.2 million clients. 309000 of these users use internet banking, while 3.5 million use mobile banking.

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The asset base of Capitec Bank exceeded R53.9 billion, with R11.6 billion in equity, retail savings deposits increased by 32% for the year to R19.3 billion and retail fixed savings increased by 19% to R10.7 billion for the year, according to the annual results for the 2015 financial year.

Benefits of a Capitec loan

  1. Quick credit approval and instant money availability.
  2. Fixed monthly payments
  3. Consolidate all of your debt for simpler monthly payments.
  4. Affordable credit insurance that includes death and layoff coverage
  5. Interest rates starting at 12.9%

Requirements to apply

To be eligible for a Capitec personal loan, you must first complete the following two requirements:

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  1. Being over the age of eighteen or older as per the national credit regulator(NCR)
  2. Being employed on a long-term basis and being able to show confirmation of this employment
  3. Proof of address to show that you are a resident of South Africa.

How to get a loan from capitec

  1. Online
  2. On their app.
  3. By visiting your nearest branch.
  4. Calling them on phone.

There are many ways to get a loan from Capitec, have a look at them above.

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Capitec loan contact number

The capitec loan contact number is 0860 10 20 43 or 0860 66 77 89

Email Capitec head office at

How to apply Capitec loan without payslip online

To apply for apply online follow the procedures below.

STEP1: Go to the website of Capitec Bank.

STEP2: click on get started on the page to begin.

STEP3: Fill in all other necessary Personal Information

STEP4: Select Other if you’re unemployed.

STEP5: After selecting other click on unemployed

STEP6: Click on next at the end of your page to verify the Personal Information in step 3.

Once you are done with that, you will be taken to the results page to be notified about your loan status.

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People who read the article also ask that


How long does Capitec take to approve a loan

Capitec normally takes about 5 working days to approve a loan. Depending on the type of loan, it may take more than 5 working days to get the loan approved.

Capitec takes the loan request through their own checks to make sure it meets all the requirements before being given the loan.

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Documents to apply for a temporary loan at capitec

Capitec makes applying for loans quite simple; all you have to do is furnish them with these three papers.

  1. Your South African ID’s most recent pay stub
  2. The most recent bank statement demonstrates that three consecutive salaries have been placed into your account.
  3. Proof of address to show that you are a resident of South Africa

Does Capitec give loans to unemployed?

Yes, Capitec gives loans to unemployed people. You must own a business and be registered with Capitec if you want a loan without a paystub.

If you don’t have a business of your own, you must give a payslip to Capitec before you would be given the loan.

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This can help you understand how it works.

Does Capitec offer temporary loans?

Yes, Capitec offers temporary loans to their customers or anyone who meets the requirements for the temporary loan.

The Capitec temporary loan can be used for home renovation, paying for your child’s school fees, and other things so you should know how to apply for a temporary loan at Capitec.

The loan is called a temporary loan or a Capitec short-term loan because its repayment period is within a month of taking the loan and through.

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What do you need to qualify for a loan at capitec

  1. Be over the age of eighteen.
  2. Be employed on a long-term basis and being able to show confirmation of this employment with a payslip.
  3. Proof of address to show that you are a resident of South Africa.

You need the documents above to qualify for a loan at Capitec bank.

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How can I get a loan fast without documents?

  1. Through a loan app.
  2. Through a loan website.

Lenders usually offer personal loans without documents like a to their existing borrowers or bank account holders as the banks already have the KYC details such as SA ID Number, address proof, income details, loan repayment history (in case of borrowers), etc.

Capitec bank loans

Capitec bank operates as a retail bank that serves both individuals and businesses but does not provide business banking for close corporations, companies, partnerships, or trusts. It says it focuses on simplifying the banking experience, according to their literature.

Capitec’s business model is focused on providing value to its customer(s) by providing low costs, giving customers the freedom to pay as they transact, and by offering the highest interest rate on deposits.

If you have any questions about the article leave them in the comment section for a response.

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Hello, my name is Matthews Martis , and I'm a writer who is passionate about exploring the intersections of finance and technology. With over a decade of experience as a financial analyst and technology consultant, I bring a unique perspective to my articles. My goal is to humanize these fields by sharing stories that showcase the impact they have on our lives, communities, and the world. I aim to create articles that are not only informative but also engaging and thought-provoking. I want my readers to feel empowered and inspired to tackle the challenges of the future. My writing isn't just about numbers and data, though. I believe that finance and technology are at the forefront of shaping the world we live in, and I'm passionate about exploring the human stories behind these topics. Through my articles, I aim to provide a fresh perspective on these fields by weaving in personal stories and insights that you won't find anywhere else. I understand that finance and technology can be complex and intimidating, so I strive to provide information that is clear, concise, and easy to understand. Building a relationship of trust with my readers is essential to me, which is why I welcome feedback and questions from my audience. I understand the importance of transparency and honesty, and I promise to provide accurate and reliable information. If you have any questions or feedback, I'd love to hear from you. Chat me at


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