Quick Facts

• Check your loan statement 24/7 online at capfin.co.za
• No charges to view your loan balance online
• You can also check by phone or at PEP/Ackermans stores
• Loan statements show balance, payment history, and fees

Why You Should Check Your Loan Statement Regularly

Checking your Capfin loan statement is important for managing your money well. Your loan statement shows you exactly how much you still owe. It also shows all your payments and any fees charged.

You should check your statement at least once a month. This helps you spot any mistakes early. It also helps you plan your budget better. If you see something wrong on your statement, you can report it quickly.

✅ How to Check Your Loan Statement Online (Step-by-Step)

The easiest way to check your Capfin loan statement is online. You can do this from your phone or computer any time, day or night. It is free to check your statement online.

Step 1: Go to the Capfin Website

Open your internet browser. Type in www.capfin.co.za or click on this link. Look for the “Login” button at the top right corner of the page.

Step 2: Enter Your ID Number

Click on the Login button. You will see a box that asks for your South African ID number. Type in your 13-digit ID number carefully. Make sure there are no spaces or mistakes.

Step 3: Get Your One-Time PIN (OTP)

After you enter your ID number, Capfin will send a special code to your phone. This code is called an OTP (One-Time PIN). It will come as an SMS to the phone number you registered with Capfin. Wait a few seconds for the SMS to arrive.

Step 4: Enter the OTP Code

Look at the SMS on your phone. Type the OTP code exactly as shown into the box on the website. Press “Enter” or click “Continue”.

Step 5: View Your Loan Details

You are now logged into your Capfin account. You will see your loan balance on the screen. You will also see your payment history and other important information about your loan.

Understanding What Your Loan Statement Shows

Your Capfin loan statement has several important pieces of information. Here is what each part means:

What You See	What It Means
Current Loan Balance	The total amount you still owe. This includes the money you borrowed plus interest and fees.
Monthly Instalment	The amount that comes off your bank account each month. This amount stays the same every month.
Payment History	A list of all the payments you made. It shows the date and amount of each payment.
Interest Charges	The extra cost you pay for borrowing money. Capfin charges up to 28% per year.
Monthly Service Fee	A fixed fee of R69 per month for managing your loan account.
Next Payment Due	The date when your next payment will be taken from your bank account.

Example: Reading Your Statement

Let’s say you borrowed R5,000 from Capfin for 12 months. Your statement might show:

• Original loan amount: R5,000
• Initiation fee: R650
• Monthly service fee: R69 per month
• Interest rate: 28% per year
• Monthly payment: Around R566
• Total you will pay back: Around R7,166 over 12 months

Other Ways to Check Your Loan Statement

If you cannot check online, there are other ways to get your loan information:

📞 By Phone

Call Capfin customer service at 087 354 0000. They are available:

• Monday to Friday: 08:00 to 18:00
• Saturday and Sunday: 08:00 to 13:00

When you call, have your ID number ready. The staff will ask you to confirm your details for security. They can tell you your loan balance and payment information over the phone.

🏪 At PEP or Ackermans Stores

You can visit any PEP or Ackermans store that offers Capfin services. Bring your South African ID with you. The staff at the Capfin counter can help you check your loan statement.

📱 Using USSD Code

You can also dial *134*6454# from your phone. This is a free self-service option. Follow the prompts on your phone screen to check your loan balance.

⚠️ Common Problems When Checking Your Statement

Problem 1: OTP Not Arriving

Solution: Check that you entered your ID number correctly. Make sure your phone has network signal. Wait 2-3 minutes for the SMS. If it still doesn’t come, try again or call Capfin at 087 354 0000.

Problem 2: Forgotten Your Registration Details

Solution: You only need your South African ID number to log in. If you never created an online account, call Capfin to set one up.

Problem 3: Statement Shows Wrong Information

Solution: Contact Capfin immediately at 087 354 0000. Tell them what information looks wrong. They must fix any mistakes on your account.

Problem 4: Missing Payments Not Showing

Solution: Check your bank statement to confirm the payment left your account. If it did, contact Capfin with proof of payment. They must update your loan account.

Problem 5: Cannot Access Website

Solution: Try using a different browser or device. Clear your browser cache. If the website is down, use the phone option instead.

Your Rights Under South African Law

The National Credit Act (NCA) protects you when you have a loan. As a Capfin customer, you have these important rights:

Your Right	What This Means
Right to Information	You can request a free copy of your loan statement at any time.
Right to Clear Documents	All loan documents must be in plain language you can understand.
Right to Complain	If Capfin treats you unfairly, you can report them to the National Credit Regulator.
Right to Correct Mistakes	If your statement has errors, Capfin must fix them quickly.
Right to Debt Counselling	If you cannot afford your payments, you can apply for debt counselling help.

Where to Get Help

If you have a problem with Capfin that they won’t fix, contact these organisations:

• National Credit Regulator: Call 0860 627 627 or visit www.ncr.org.za
• National Consumer Commission: Call 0860 003 600
• Banking Ombudsman: Call 0860 800 900 (for loan disputes)

🚨 Beware of Loan Statement Scams

Scammers sometimes pretend to be from Capfin. They try to steal your money or personal information. Here is how to stay safe:

Red Flags to Watch For:

• Fake SMS or Emails: Scammers send messages claiming to be from Capfin. They ask you to click links or pay fees.
• Requesting Money Upfront: Real Capfin will never ask you to pay money before checking your statement.
• Asking for Banking Details: Capfin will never ask for your full banking details via SMS or email.
• Threatening Messages: Scammers may threaten legal action or say your account will be closed.
• Too Good to Be True: Messages offering to “clear your debt for a small fee” are scams.

How to Protect Yourself:

✓ Only use the official Capfin website: www.capfin.co.za

✓ Never share your OTP code with anyone, not even Capfin staff

✓ If you get a suspicious SMS or email, call Capfin directly at 087 354 0000

✓ Don’t click on links in messages claiming to be from Capfin

✓ Report scams to Capfin’s fraud line: fraudreport@capfin.co.za or 087 354 0033

📋 Quick Reference: Capfin Contact Details

Website:	www.capfin.co.za
Customer Service Phone:	087 354 0000
USSD Code:	*134*6454#
Fraud Reporting Email:	fraudreport@capfin.co.za
Fraud Reporting Phone:	087 354 0033
Operating Hours:	Mon-Fri: 08:00-18:00, Sat-Sun: 08:00-13:00
In-Store Services:	Available at PEP and Ackermans stores nationwide

Checking your Capfin loan statement regularly is one of the best ways to stay in control of your finances. We recommend checking your statement at least once a month, or even more often if you are worried about your payments.

The online method is the easiest and fastest. It is free and available 24/7. Save the Capfin website on your phone so you can check your balance quickly whenever you need to.

If you see any mistakes on your statement, report them immediately. Call Capfin at 087 354 0000 and explain the problem. Keep records of all your payments in case you need to prove something later.

Be careful of scams. Never pay money to anyone claiming they can “help” with your Capfin loan. Always go directly to Capfin through their official website or phone number.

Remember, you have rights under South African law. If Capfin is not treating you fairly, contact the National Credit Regulator at 0860 627 627 for help.