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clevian T

1 reviews | Active since Jul 2020

07 Jan 2026, 16:50

Credit Application

After already being pre approved for credit on the Capitec app.. How is it possible that after one week I can't get feedback from my bank regarding an existing credit application been given the run around by numerous consultants daily and can't get direct answers from what is so difficult my salary has been paid into this account for the last 4 years yet the requesting prove of salary that doesn't make sense to me you can apply for credit at any other bank and get feedback immediately and funds paid into your account in less than 24hrs... This is pathetic service.. One consultant even had the audacity to ask me if this is my main account and if my salary is paid into the account... That says alot about their systems

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Replies (4)
Capitec Bank
Capitec Bank's reply07 Jan 2026, 20:09
Official
Capitec requires a payslip as part of the loan application process, even if your salary is already being deposited into your account. This is because: Verification of income: The payslip confirms your earnings and employment status. Affordability assessment: It helps the bank calculate your debt-to-income ratio and ensure you can afford the loan. Compliance with regulations: South African credit laws require lenders to verify income before granting credit.
Capitec Bank
Capitec Bank's reply07 Jan 2026, 20:46
Official
Is there anything else I can assist you ?
cT
clevian T's update07 Jan 2026, 20:58
Reviewer Update
I have sent through payslips as prove of income and employment yet have not been asisted I keep on being told everyday it's escalated
Capitec Bank
Capitec Bank's reply07 Jan 2026, 22:35
Official
Please be informed I will be closing our conversation due to no response. Kindly send a message as soon as you are ready to resume your conversation with us. Thank you for contacting Capitec bank, hope to chat with you soon. Kindly note no further response is required from you as our chat will now be closed.