Capfin — What Kind of Lender Is It and Who Owns It
Capfin is a South African personal loan provider that offers fixed-term credit to employed individuals. Unlike payday lenders, Capfin focuses on medium-term loans ranging from six to twenty-four months, giving borrowers structured repayment schedules. The company operates primarily through in-store kiosks at major retail chains and a digital platform at capfin.co.za.
Registration and NCR Licence
Capfin is a registered credit provider under the National Credit Act (NCA) and is listed on the National Credit Regulator (NCR) register.
- NCR Registration Number: NCRCP6
- Regulator: National Credit Regulator (NCR)
- Regulator website: ncr.org.za
How to verify Capfin's NCR licence in 3 steps:
- Go to ncr.org.za and click "Credit Provider Register."
- Search for "Capfin" or enter the registration number NCRCP6.
- Confirm the status shows "Active" and the company name matches.
The editorial team at Creditdeals.io verified the NCR registration status on 2026-05-19.
Ownership and Corporate Structure
Capfin is part of the Pepkor Holdings group, one of South Africa's largest retail and financial services conglomerates. Pepkor operates hundreds of stores across sub-Saharan Africa under brands including PEP, Ackermans, and others. This retail footprint gives Capfin a unique distribution advantage — loan applications and disbursements can be processed in-store at thousands of locations, making financial services accessible to consumers who may not have convenient access to traditional banks.
The group's deep retail penetration also means Capfin benefits from high brand recognition among working-class and middle-income South Africans — its primary customer segment.
History and Milestones
Capfin was established to serve the underserved segment of South African consumers who need access to personal credit but may not qualify for or prefer traditional bank loans. Operating under the NCA framework, Capfin has grown into one of the country's best-known alternative personal lenders, with in-store presence at Pick n Pay, Ackermans, and PEP stores nationwide.
The company has consistently expanded its digital capabilities, launching an online application portal and a mobile app to complement its in-store network.
Contact Details and Support
| Channel | Details |
|---|---|
| Phone | 0860 667 878 |
| info@capfin.co.za | |
| Website | capfin.co.za |
| In-store | Pick n Pay, Ackermans, PEP stores nationwide |
| Support hours | Monday–Friday 08:00–17:00 SAST (verify current hours at capfin.co.za) |
Customer Ratings Overview
Based on aggregated reviews from multiple independent platforms, Capfin holds a mixed-to-positive reputation. Customers frequently praise the fast in-store application process and the transparent repayment structure. Common complaints relate to waiting times at store kiosks and documentation requirements. According to Creditdeals.io editorial review, Capfin scores 3.9 / 5 for overall customer experience.
Frequently Asked Questions — About Capfin
Is Capfin a legitimate company? Yes. Capfin is a registered credit provider with NCR number NCRCP6. It is part of the Pepkor Holdings group and operates under the National Credit Act. You can verify its status on ncr.org.za.
Who owns Capfin? Capfin is owned by Pepkor Holdings, a JSE-listed retail and financial services group that also owns PEP and Ackermans.
Is Capfin only for South Africans? Yes. Capfin currently serves South African residents with a valid South African ID and a bank account. Foreign nationals are not eligible.