Our Story Our approach to lending is rooted in ethical, responsible and compliant credit policies and practices

reception at capfin

Capfin is one of South Africa’s fastest growing, award-winning, independent credit providers. We empower our customers to make their best life possible through unsecured short-term loans that are simple to use, affordable and easily accessible.

Our approach to lending is rooted in ethical, responsible and compliant credit policies and practices. We put our customers’ needs first - a sentiment reflected in one of our core values, which is to 'Place customers at the heart of our business'.

Our Office:

capfin building

Who We Are

Our purpose is to help
people make their
best life possible

Our PURPOSE is to help people make their best life possible.

Our purpose is the heartbeat of our business and describes the positive impact we have on our customers, employees and the communities in which we operate.

As one of the best in the micro-lending industry, we are immensely proud of a history marked by solid growth and responsiveness to developing markets.

We take direction from our Values - the framework that makes our purpose come to life:

We believe that applying for a loan should be simple, affordable and easily accessible to all. Placing our customers at the heart of everything we do, helps us make the right business decisions internally, which enables us to make a difference externally.

In an industry often characterised by negative perceptions, we are inspired by the positive impact of doing things right and we take pride in doing things in a way that’s compliant, responsible and ethical.

We believe empowered people are essential for our success. We equip, encourage and motivate our people to perform at their very best, make an impact, and grow personally and professionally to their full potential.

We employ great minds to help us stay on top of industry trends and soughtafter specialists, who turn these into profitable business opportunities. Our business strategies are solid and our agile working environment enables us to stay responsive.

Our History

Capfin was founded in 2010 with a vision to provide customers with affordable loan products and services. Since then we have continued to exceed the expectations of our customers with friendly service and responsible lending.

Leading up to 2022, we identified an opportunity to create additional value for our customers and for the Pepkor Group, and a new division, Pepkor Payments and Lending, a division of Pepkor Trading (Pty) Ltd, was launched on 1 November 2022.

Following the transfer of support functions such as Credit Risk and Analytics, Finance, Marketing and Business Development, and People Support, Capfin as a people-centric contact centre, today benefits from a shared central support structure that delivers specialised and innovative solutions to boost the business's operational efficiencies, productivity, and output.

Visit the Pepkor Payments and Lending website to read more.

Today, we continue to strive to make a positive impact in the lives of our customers.

Capfin, a division of Pepkor Trading (Pty) Ltd is a wholly owned subsidiaries of Pepkor Holdings, which is listed on the Johannesburg Stock Exchange. For more information about Pepkor, please visit www.pepkor.co.za or click here for the PAIA Manual.