Rating based on 20 reviews


  • Quick loans up to $5,000
  • Low-interest up to 48%
  • Repayment up to 12 months

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Capfin homepage
Author Capfin. Screenshot of Capfin website.
[Accessed May 3, 2023]

Capfin 24/7 loan services

They are part of an international company, which is brought into line with an important vision of Capfin and its employees around the world, supported by their key values of customer attention, innovation, honesty, brilliance, and community.

Their vision of Capfin’s values or by means of offering a bigger and better personal loan service than any other, they do their best to bring you a better service than that of banks and less reliable smaller services, For Capfin BETTER means faster service, higher standards, protection of personal information, respect, and confidentiality, by putting the power in the hands of their customers they are able to offer the latest technology, self-service, and credit management.


Their self-service offers you a world-class account management package. They also guarantee you a 24/7 service. They major in meeting your short-term loan cash requirements; they offer you loans from $500 to $5000 which is over and above customer expectations.

Loans up to $5,000

Should they be unable to complete your loan application this would be of no charge to you.

This means that it costs you absolutely nothing should you apply for a loan from Capfin, your fees and charges will at all times only be related to your loan agreement, and fees and charges regarding your loan will be visible at all times, with no hidden costs!

How much can you borrow?

If you need cash for those extra expenses which you could not budget for, they offer fast loans between $500 and $5000 you could use the money in any way you like, be it for car repairs, medical bills, dental trips or just a well-deserved getaway.

To apply for a payday loan is simple and they will assist you with how much you could borrow depending on your affordability you choose to payment agreement that will suit you, normal repayments would be every fortnight or weekly your choice.

Capfin – Quick loan

  • Loan Type Quick loans
  • Interest Rate 48%
  • Loan Amount up to $5,000
  • Repayment 6 months to 12 months

Benefits of Capfin

  • Better loan rates
  • Fast loan payouts
  • Apply 100% online

Quick loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This quick loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Capfin - Their loans are affordable

How much does a Capfin Money loan cost?

It depends entirely on how much you would need to borrow as well as the repayment period, should you want to know how much your repayments would be, go to their homepage to the loan calculator, select your emergency loan amount and the calculator will display what your repayments will be over different time frames. They will not charge fees for early repayment of your loan, should you consider this.  But please be advised that Capfin Money Loans do have pay-out fees for early payment.

Their commitment to you

They will attend to all necessary paperwork and requirements associated with the loan application, obtaining a loan that is tailor-made for your specific needs, they are honest and transparent and will assist you with any questions or queries you may have from the beginning to end of your loan period. They promise to always assess your financial requirement with you in the friendliest possible way.

Who is Capfin Money?

They are an ASIC-licensed credit provider and they offer a short-term financial solution, they have been in the industry for more than 10 years, Capfin Money has written more than 3.5 million personal loans worldwide, they are a trusted provider and offers their expertise to all of their clients they also offer reasonable loans that are tailor-made to your specific needs. Capfin Money has an outstanding association with the international retail group Pepkor; Pepkor has more than 4000 stores in 15 different states.

Are you eligible to apply for a Capfin Money loan?

In order to apply for a Capfin Money loan you will need the following: It is essential that you are a permanent Australian resident, you should be 18 years and older, and your remuneration needs to be $500 or more paid into your bank account per week, you will not be in bankruptcy. There are no charges if you apply for a loan with Capfin Money and their online application takes all of a few minutes, why not apply today?

Are any documents required with your application?

On applying for an online loan with Capfin Money you are requested to provide a copy of your identification, 3-month bank statement as well as your Centrelink statement (only if applicable) all documentation can be submitted electronically this is for your convenience.

Capfin Money provides a secure service called Provisio which you will find on their website this allows you easy access to your bank and Centrelink statements; unfortunately, your photo identity document will either need to send it via MMS them or via email or you could upload it to their site.

Does Capfin Money do credit history checks?

They do conduct a credit check as this is part of their assessing your application, but you don't need to worry too much if you do perhaps have a default on your credit rating, they may still be in a position to assist you but it will depend on your circumstances. If you are currently in bankruptcy part IX debt agreement, unfortunately, it will not be possible to assist you

How much does it cost to apply for a Capfin Money loan?

They have a three-step application process which you will find online for your convenience, applying for a quick loan with Capfin is totally free of charge. You do not have to stand in queues at the bank to make an appointment and there is no paperwork to be done.

When will you know if you are approved?

Capfin loans will keep you updated from the beginning to the end of the process of your loan, should you be conditionally approved they will contact you immediately to give you the good news, you are then able to sign your contract online and receive your money, they generally do all their finding overnight so depending on the time you have signed your contract the money should be in your account the next morning.

Will you be able to refinance your existing loan?

If you are not behind in payment and have proved yourself by making regular payments Capfin Money, Capfin Money offers you (their valued customer) the opportunity of a refinance on your current loan should you require this.

How do you make repayments on your Capfin Money loan?

Repayments are paid via debit order so your payment comes straight from your nominated bank account either weekly or fortnightly, you can choose.

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Capfin is a trusted & reliable provider of quick loans

In our review, Capfin adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Capfin is a registered credit provider in Australia: ACL 387995

Customer Reviews & Testimonials

When you find yourself in a tough financial situation the two things you look for are efficiency and convenience. Thankfully Capfin offers both of these qualities! Their online application is fas...

Bradley M
— Winton —

Even though I have bad credit I was told that I can still apply for a loan at Capfin. Now, here I am, with the finance that I needed. Do not allow bad credit to stand in your way!

Sean C
— Adelaide —

At Capfin you can rest assured that you are receiving the most affordable and fairest interest rate possible. Their rates are highly competitive and always in favour of the consumer.

Jayne W
— Ceduna —

I was so impressed by the turnaround times at Capfin! I applied for my loan in the morning and had the cash in my account by the afternoon!

Dale F
— Townsville —

Capfin Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed