Rating based on 31 reviews


  • Short-term loans up to $5,000
  • Low-interest starting from 48%
  • Repayment up to 78 weeks

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Capfin homepage
Author Capfin. Screenshot of Capfin website.
[Accessed May 2, 2023]

Capfin - get your financial freedom back

Capfin money is available worldwide and has helped countless people take back control of their financial freedom by assisting them with a loan.

Their key values are customer service excellence, integrity and transparency while giving back to the community. They offer the best short-term loan deals, with the lowest interest rate and the quickest turnaround time. 

Latest technology

They use the latest technology to ensure that your personal information remains safe and secure. Their self-service and credit management technology puts the power back into your hands. By applying online you can apply from anywhere there is an internet connection 24 hours a day.

Loans designed for you

Capfin Money offers payday loans from as little as $500 ranging up to $5,000 with an easy pay back repayment plan.

They will help you determine exactly what your financial requirements are and tailor-make a solution to suit your budget and circumstances. They will advise you on the best option and make sure that you understand the process from start to finish.

100% free to apply

If you are curious to see if you qualify for a personal loan you can apply for a 100% quote that is obligation free. Capfin has been a loan specialist in Australia for more than 10 years and has a very high customer satisfaction rating and 3.5 million happy clients throughout South Africa, Australia and Europe.

Loan amounts up to $5,000

Capfin offers quick loans ranging from $500 to $5,000 will repayment terms ranging from 39 weeks to 78 weeks to pay back the loan.

To make it even easier for you to apply for a loan they have broken the process into 3 easy steps.

3 step process

  1. Apply online in only a few minutes from anywhere you have access to the internet – no queues, no paperwork.
  2. Verify and Approve. They will check that the details you gave them are correct and if you can afford to take a short-term loan. They will then call you back with an outcome – no waiting around for hours for the outcome.
  3. Receive your money. Sign the agreement contract online and they will deposit the money directly into your nominated account.

Fees and terms

  • They believe in complete transparency and don’t want you to be surprised by any fees.
  • An emergency loan ranging from $500 to $2,000 has the minimum repayment terms of 6 months with the maximum being 12 months.
  • The cost involved is a 20% establishment fee and a monthly charge of 4% of your loan amount.
  • This is based on the Annual percentage rate of 48% with a comparison rate of 81.01%.

They help you find out how much you can comfortably borrow and how long you will need to be able to pay back the money and how much each repayment should be.

Capfin – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate 4881.01% p/a
  • Loan Amount up to $5,000
  • Repayment 26 weeks to 78 weeks

Benefits of Capfin

  • Flexible repayment options
  • Quick cash solutions
  • Affordable short-term loans

Short-term loan calculator

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

Capfin - They have affordable loans

At Capfin money they do perform a credit check, but your credit score will not automatically disqualify you from being granted a loan as they take your personal circumstances into account and may still be able to assist you.

If you have been declared bankrupt then they will unfortunately not be able to assist you.

Do you qualify for a loan?

  • You must be a permanent Australian resident
  • You must be 18 years old or older
  • You must earn at least $500 per week or more
  • You must not be bankrupt or part 9 agreement

Supporting documents

  • You will need to supply a form of identification such as a photo ID
  • 90 days bank statements or your Centrelink statement

To make the process easy you can simply upload your supporting documents electronically via their website.

Can you apply if you are on Centrelink benefits?

If you receive Centrelink benefits and your weekly income exceeds $500 per week, then you may still be able to qualify for a short-term loan.

No early repayment penalty

If you are in the position to be able to pay back your loan early then you can with pleasure, they won’t charge you an early repayment penalty charge. If you are a well-paying client, they will be able to refinance your existing loan the entire process can be monitored online from their member's area 24/7.

Easy repayment terms

To pay back your short-term personal loan is very easy, they will help you come up with a payment plan to suit your needs and then set up a debit order to debit your account so that you never miss a payment and have complete control over your budget and planning.

Only borrow money if you can afford to pay it back

It has become so easy to get a bad credit loan these days that lenders even lend you money when they see you will struggle to pay it the back and they trap you in a vicious lending circle. Make sure that you only take a loan if it is completely necessary and that you will be able to make the repayments on time otherwise you can put yourself under even more financial strain.

If you need help with managing your finances call them on 1800 007 007 from anywhere in Australia toll-free.  

Consultants standing by 

Their professional knowledgeable consultants are standing by to answer any questions that you might have and to help you through the entire online loan application process. They will guide you every step of the way to ensure that you get the most out of your loan.

Please call them on 1300 776 863 or send them an e-mail to info@capfindirect.com.au

Customer Reviews & Testimonials

Friendly employees in the branch, I felt welcome the moment I set my foot in their offices.

Ryan H
— Ceduna —

Super affordable fees and rates.

Sebastian C
— Iron Knob —

I always wanted to buy myself a house when I turn 30 years as my birthday gift. Thank you Capfin for making my dream come true through house loan.

Jayden R
— Millicent —

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