FAQ
Clear answers for finance, applications, responsible lending and support.
Capstone Credit is a South African registered credit provider offering responsible lending and alternative ownership solutions, including personal loans, business finance, home loans, vehicle rent-to-own, firearm finance, and secured lending solutions.
We provide personal loans, business finance, home loans, vehicle rent-to-own solutions, and firearm finance.
Yes. Applications can be submitted securely online through the contact and application enquiry forms.
Processing times vary depending on the finance solution and documentation provided. Many applications can be reviewed within 24 to 72 business hours once all required documents are received. Home loan applications may take longer.
Yes. Capstone Credit maintains secure systems and strict confidentiality procedures to protect personal and financial information.
Yes. All applications undergo affordability and compliance assessments in accordance with responsible lending practices and applicable legislation.
Yes. Self-employed applicants may apply, subject to supporting financial documentation and affordability assessments.
Not necessarily. Certain solutions, including vehicle rent-to-own, may assist clients who are rebuilding their credit profiles or do not yet qualify for traditional finance.
Applications may be submitted online or through a Capstone Credit consultant.
Applications proceed through document verification, financial assessment, affordability checks, approval review, and agreement finalisation.
Yes. Our team provides communication throughout the application process where applicable.
Yes. Applications remain subject to affordability assessments, risk evaluations, and approval criteria.
No. Capstone Credit promotes transparent finance structures and agreement disclosures.
Responsible lending ensures finance solutions remain affordable, transparent, and aligned with clients long-term financial wellbeing.
Affordability assessments help prevent over-indebtedness and ensure sustainable repayment structures.
Clients experiencing financial challenges should contact Capstone Credit immediately to discuss available options.
Yes. Capstone Credit operates in accordance with applicable South African financial and credit legislation.
We use secure systems and processes designed to protect personal and financial information.
Information may only be shared where required for application processing, compliance, legal obligations, or authorised service providers.
Yes. Our systems are designed to maintain secure online processing and document handling.
Clients may contact us by phone, email, online contact forms, or website enquiries.
Monday to Friday, 08:00 to 16:00.
Yes. Our team is available to assist with finance and ownership enquiries.
Personal loans may be used for emergencies, medical expenses, education, travel, home improvements, debt consolidation, and planned expenses.
Applicants may be required to provide a South African ID, proof of income, bank statements, proof of address, and other supporting documentation where applicable.
Yes. Repayment structures are tailored based on affordability assessments and approved finance structures.
Loan amounts are based on affordability assessments, income verification, and financial profile evaluations.
Early settlement options may be available subject to agreement terms and applicable regulations.
We offer working capital finance, equipment and asset finance, expansion funding, operational finance, and short-term business funding.
We welcome applications from start-up businesses. Although trading history is an important consideration, approval may also be based on the business owner’s experience, financial position, affordability, business projections, and overall risk profile. All applications are assessed on a case-by-case basis.
Requirements may include business registration documents, financial statements, bank statements, owner identification, tax documentation, and other supporting documents where applicable.
Approval timelines vary depending on the complexity of the application and documentation submitted.
Yes. Equipment and asset finance solutions may be available for qualifying businesses.