Scores reflect the Overall AI Score for each category
Based on recent customer reviews, Capfin is described by a large majority of customers as difficult to deal with once money movement or credit records are involved. Recurring themes include debits taken before agreed dates, refunds and paid-up letters that never arrive, expired Debicheck mandates and adverse credit bureau listings. A smaller group praises fast payouts, affordable instalments and individual consultants who explain matters patiently.
Top Strengths:
- •Customer Service & Professional Guidance: The strongest theme, driven by a minority who name consultants such as Sisipho and Genevieve as patient, knowledgeable and willing to go the extra mile. Most others describe scripted, rude or dismissive agents and supervisors who are never available.
Replied to 99% of negative reviews
Reply time on negative reviews: 4h 53m
TrustIndex
3.3
Ranking
#15
in Loans & Credit
Reply Time
4h 51m
NPS Score
-34
Recommended: Unlikely
Replied to 99% of negative reviews
Reply time on negative reviews: 4h 53m
Nov '25 - Oct '26
Frequently Asked Questions About Capfin
What do customers say about Capfin?
Based on recent customer reviews, Capfin is described by a large majority of customers as difficult to deal with once money movement or credit records are involved. Recurring themes include debits taken before agreed dates, refunds and paid-up letters that never arrive, expired Debicheck mandates and adverse credit bureau listings. A smaller group praises fast payouts, affordable instalments and individual consultants who explain matters patiently.
What is Capfin's biggest strength?
Capfin's biggest strength, according to Hellopeter's AI analysis, is Customer Service & Professional Guidance. The strongest theme, driven by a minority who name consultants such as Sisipho and Genevieve as patient, knowledgeable and willing to go the extra mile. Most others describe scripted, rude or dismissive agents and supervisors who are never available.
What are the most common complaints about Capfin?
The most common complaint about Capfin, based on Hellopeter's AI analysis of recent customer reviews, is Trust, Transparency & Compliance. Customers report adverse listings for arrears as small as R8.40 without the required notice, profiles still showing arrears after settlement, unprocessed credit life claims and loans allegedly opened using their identity numbers.
How does Capfin compare to other Loans & Credit companies?
Capfin scores 1.2 out of 5 on Hellopeter's AI analysis of service quality in Loans & Credit, compared to the Loans & Credit industry average of 2.1. Their strongest theme is Agent Quality (1.6); their weakest is Credit Reporting (0.9). The top AI-rated Loans & Credit business on Hellopeter is AutoFin Assist (4.6). How is the AI Score calculated? →
Is Capfin trustworthy?
Capfin has a TrustIndex of 3.3 out of 10 on Hellopeter, based on 127 reviews in the last 12 months. They reply to 99% of negative reviews, typically within 4 hours 53 min. Hellopeter has tracked Capfin across 1,654 total reviews. How is the TrustIndex calculated? →
Recent reviews (127)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your Experience1 reviews | Active since Jun 2015
2 debit orders for WHAT
How can use double debit a pensioner who already gets so little and can barely survive. Now how do you think they must survive. Its a disgrace. One debit was suppose to go off so how long must the person wait to get there money back. I wouldn't recommend anyone taking here.
1 reviews | Active since Jun 2015
2 debit orders for WHAT
How can use double debit a pensioner who already gets so little and can barely survive. Now how do you think they must survive. Its a disgrace. One debit was suppose to go off so how long must the person wait to get there money back. I wouldn't recommend anyone taking here.
1 reviews | Active since Dec 2022
Mr
My payment was late and the credit bureaus showed missed payment. I queried the and they told me to fix it with the creditors and Capfin said I should speak to the credit bureaus. The credit bureaus asked me to get the letter from Capfin stating that payment was made but it was late. It has been several times trying to get the requested letter from Capfin. I sent several letters which is not producing any thing. Now I ask you to help me ask for the letter needed by credit bureaus to update my credit profile. I want to report here onbthis platform till I get the that letter.
1 reviews | Active since Dec 2022
Mr
My payment was late and the credit bureaus showed missed payment. I queried the and they told me to fix it with the creditors and Capfin said I should speak to the credit bureaus. The credit bureaus asked me to get the letter from Capfin stating that payment was made but it was late. It has been several times trying to get the requested letter from Capfin. I sent several letters which is not producing any thing. Now I ask you to help me ask for the letter needed by credit bureaus to update my credit profile. I want to report here onbthis platform till I get the that letter.
1 reviews | Active since Jul 2020
Complaint: Capfin loan taken out using my details without my consent I am writing to complain about a Capfin loan
Their agents at pep took a Loan without my consent‼️
1 reviews | Active since Jul 2020
Complaint: Capfin loan taken out using my details without my consent I am writing to complain about a Capfin loan
Their agents at pep took a Loan without my consent‼️
1 reviews | Active since Jun 2016
No accountability and attempts to check their records to trace payments made to their bank account
Poor Service and Failure to Reconcile Settlement Payment I am extremely dissatisfied with the service I have received from Capfin regarding the settlement of my loan account (****). I settled this account through a third party, Standard Bank, after taking out a consolidation loan. The settlement payment was processed into Capfin's bank account on 04 August 2026, and the correct reference number was used for the transaction. Despite receiving the funds, Capfin has failed to close the account and continues to debit my bank account every month. This is completely unacceptable. What is even more concerning is that, despite the payment already being in Capfin's account, I continue to be asked to provide proof of payment. I have made every effort to assist and have provided the information available to me, yet your Finance Team appears unwilling to conduct a proper investigation. Instead of reconciling the payment against your bank statements and tracing the transaction using the correct reference number, the responsibility is continually being shifted back to me. It is unreasonable to expect a customer to repeatedly prove a payment that has already been received by your institution. The lack of ownership, poor communication, and failure to reconcile payments properly have caused unnecessary frustration and inconvenience. I am requesting that this matter be escalated urgently to senior management for immediate attention. I expect Capfin to: Trace and reconcile the settlement payment received on 04 August 2026. Close loan account **** without further delay. Reverse and refund any debits taken after the settlement date, where applicable. Provide written confirmation that the account has been settled and closed. The level of service I have experienced has been disappointing, and unless this matter is resolved urgently, I will continue escalating my complaint through the appropriate channels.
1 reviews | Active since Jun 2016
No accountability and attempts to check their records to trace payments made to their bank account
Poor Service and Failure to Reconcile Settlement Payment I am extremely dissatisfied with the service I have received from Capfin regarding the settlement of my loan account (****). I settled this account through a third party, Standard Bank, after taking out a consolidation loan. The settlement payment was processed into Capfin's bank account on 04 August 2026, and the correct reference number was used for the transaction. Despite receiving the funds, Capfin has failed to close the account and continues to debit my bank account every month. This is completely unacceptable. What is even more concerning is that, despite the payment already being in Capfin's account, I continue to be asked to provide proof of payment. I have made every effort to assist and have provided the information available to me, yet your Finance Team appears unwilling to conduct a proper investigation. Instead of reconciling the payment against your bank statements and tracing the transaction using the correct reference number, the responsibility is continually being shifted back to me. It is unreasonable to expect a customer to repeatedly prove a payment that has already been received by your institution. The lack of ownership, poor communication, and failure to reconcile payments properly have caused unnecessary frustration and inconvenience. I am requesting that this matter be escalated urgently to senior management for immediate attention. I expect Capfin to: Trace and reconcile the settlement payment received on 04 August 2026. Close loan account **** without further delay. Reverse and refund any debits taken after the settlement date, where applicable. Provide written confirmation that the account has been settled and closed. The level of service I have experienced has been disappointing, and unless this matter is resolved urgently, I will continue escalating my complaint through the appropriate channels.
1 reviews | Active since Dec 2015
FORMAL COMPLAINT – URGENT ESCALATION REQUIRED
I am extremely frustrated with the way Capfin is handling my loan application. For the past 4 weeks, I have received approximately 55 calls, yet every call ends with the same explanation: "Our system has an error; your application is taking longer than expected, and we will call you again." This is unacceptable. - 55 calls with no resolution or meaningful update. - I have repeatedly asked your consultants to investigate the matter properly before calling me. - Your internal system problems should not become my burden. - Repeated calls with the same information are unnecessary, disruptive and extremely frustrating. I am demanding that this matter be immediately escalated to a manager or senior department capable of resolving it. I want a clear response stating: - The exact status of my application. - What is causing the delay. - What is being done to fix it. - When I can expect a final decision. Please stop calling me with the same explanation. I want a resolution, not another repetitive phone call. After four weeks and 55 calls, I expect Capfin to take responsibility and resolve this matter urgently.
1 reviews | Active since Dec 2015
FORMAL COMPLAINT – URGENT ESCALATION REQUIRED
I am extremely frustrated with the way Capfin is handling my loan application. For the past 4 weeks, I have received approximately 55 calls, yet every call ends with the same explanation: "Our system has an error; your application is taking longer than expected, and we will call you again." This is unacceptable. - 55 calls with no resolution or meaningful update. - I have repeatedly asked your consultants to investigate the matter properly before calling me. - Your internal system problems should not become my burden. - Repeated calls with the same information are unnecessary, disruptive and extremely frustrating. I am demanding that this matter be immediately escalated to a manager or senior department capable of resolving it. I want a clear response stating: - The exact status of my application. - What is causing the delay. - What is being done to fix it. - When I can expect a final decision. Please stop calling me with the same explanation. I want a resolution, not another repetitive phone call. After four weeks and 55 calls, I expect Capfin to take responsibility and resolve this matter urgently.
1 reviews | Active since May 2025
DONT TAKE LOAN WITH CAPFIN
HOW DARE YOU DEBIT MONEY FROM MY UIF WHILE I HAD INSURANCE?HOW CAN YOU DEBIT 40% OF MONEY IM GETTING?
1 reviews | Active since May 2025
DONT TAKE LOAN WITH CAPFIN
HOW DARE YOU DEBIT MONEY FROM MY UIF WHILE I HAD INSURANCE?HOW CAN YOU DEBIT 40% OF MONEY IM GETTING?
1 reviews | Active since Nov 2024
Capfin Balance and Incorrect MBD Collections Information.
I would like to request your assistance with two matters relating to my Capfin account. Firstly, please note that the R530 distribution to Capfin has already been deducted for this month, and this was the final distribution towards Capfin. My understanding is that the account should therefore be settled, subject only to the payment being allocated and the account being updated on their side. Kindly assist with confirming the final Capfin balance and ensuring that the payment is correctly allocated so that the account can be marked as settled once updated. Please also provide me with the relevant confirmation/settlement letter once the account has been paid in full. Secondly, I have noticed that MBD Collections is now reflecting on my credit profile in relation to Capfin and is showing information suggesting that I missed payments. I have not missed my debt review payments, and I am concerned that this information is incorrect and negatively affecting my credit profile. I am not disputing the Capfin account itself. I am disputing the incorrect payment/default information being reported by MBD, as my payments have been made through the debt review process. Please could you urgently investigate this matter with MBD/Capfin and request that any incorrect information regarding missed payments or arrears be corrected and that the relevant credit bureaus be updated accordingly. I would also appreciate confirmation of: • The current/final Capfin balance according to your records; • Whether the final R530 distribution has been allocated to Capfin; • Whether Capfin has been requested to update the account as settled; and • What action will be taken regarding the incorrect MBD information and the alleged missed payments. I would appreciate your assistance in resolving both matters and ensuring that my records are accurately updated.
1 reviews | Active since Nov 2024
Capfin Balance and Incorrect MBD Collections Information.
I would like to request your assistance with two matters relating to my Capfin account. Firstly, please note that the R530 distribution to Capfin has already been deducted for this month, and this was the final distribution towards Capfin. My understanding is that the account should therefore be settled, subject only to the payment being allocated and the account being updated on their side. Kindly assist with confirming the final Capfin balance and ensuring that the payment is correctly allocated so that the account can be marked as settled once updated. Please also provide me with the relevant confirmation/settlement letter once the account has been paid in full. Secondly, I have noticed that MBD Collections is now reflecting on my credit profile in relation to Capfin and is showing information suggesting that I missed payments. I have not missed my debt review payments, and I am concerned that this information is incorrect and negatively affecting my credit profile. I am not disputing the Capfin account itself. I am disputing the incorrect payment/default information being reported by MBD, as my payments have been made through the debt review process. Please could you urgently investigate this matter with MBD/Capfin and request that any incorrect information regarding missed payments or arrears be corrected and that the relevant credit bureaus be updated accordingly. I would also appreciate confirmation of: • The current/final Capfin balance according to your records; • Whether the final R530 distribution has been allocated to Capfin; • Whether Capfin has been requested to update the account as settled; and • What action will be taken regarding the incorrect MBD information and the alleged missed payments. I would appreciate your assistance in resolving both matters and ensuring that my records are accurately updated.