Essential home repairs
An urgent household repair may need attention before the next salary date.
Registered credit provider · transparent terms
Short-term loans from R2,000 to R8,000
For the expense that arrived before payday. Three fixed repayments, with every rand explained upfront.
- 3
- fixed repayments
- 100%
- of costs shown upfront
- R0
- early-settlement penalty
R2,000R8,000
Term: 3 months. Every Capital Sprout loan runs for three months. No rollovers.
You repay each month
R2,165.00What this loan costs
- Monthly instalment
- R2,165.00
- Number of instalments
- 3
- Total amount repayable
- R6,495.00
- Interest rate
- 60% per annum
- Final or residual amount
- None
R5,000 loan + R565 once-off initiation fee + R750 interest + R180 service fees over 3 months = R6,495.00.
NCR registered credit provider
NCRCP[PLACEHOLDER]
Fixed 3-month term
No rollovers, no surprises
R60 monthly service fee
The legal maximum, not more
Settle early, no penalty
Pay it off whenever you like
Short-term credit needs
Credit designed for defined, time-sensitive expenses
Capital Sprout provides fixed-term credit to employed South Africans who need to manage a specific expense between salary dates.
Reliable transport
A necessary vehicle repair can protect your ability to travel to work and maintain your income.
Education costs
Fees, uniforms, shoes and stationery can place several important expenses in the same month.
How it works
Five steps. Most people finish in under twenty minutes.
Step 1: Apply online
Tell us what you need and who you are.
About 5 minutes
Step 2: Fill in your salary and bank details
No payslips, bank statements or bank letter needed.
About 2 minutes
Step 3: We check it in the background
We confirm your identity, income and affordability for you.
Usually same day
Step 4: Approve the DebiCheck at your bank
Your bank sends you a notification to approve.
About 2 minutes
Step 5: Money in your account
We pay out as soon as the DebiCheck is approved.
Usually within a few hours
No paperwork
No payslips. No bank statements. No bank letter.
You simply fill in your salary date, what you earn and your banking details. We check everything securely in the background, so you don't have to hunt for documents.
Here's all you need on hand:
- Your South African ID number
- Your cellphone number and email address
- Your bank account details
- The day you get paid, and what you earn
Full transparency
What a R5,000 loan actually costs
| Loan amount | R5,000 |
|---|---|
| Initiation fee (once-off) | R565 |
| Interest over 3 months | R750 |
| Service fees (R60 x 3) | R180 |
| Total repayable | R6,495.00 |
| Monthly instalment | R2,165.00 |
| Credit cost multiple | 1.30 |
| Interest rate | 60.00000000000001% per annum |
We show you this before you apply, not after. Every lender has to. Not every lender does.
Calculate another amountRepeat customers
Already a Capital Sprout customer?
Your next loan is at 3% a month instead of 5%. Same amount, lower cost, and we already have your documents.
First loan this year (5% a month)
R2,165.00
a month over three months
Total repayable R6,495.00
Repeat loan (3% a month)
R2,065.00
a month over three months
Total repayable R6,195.00
Three questions, 30 seconds
Check if you qualify
Answer three simple questions and see your estimated monthly repayment straight away. No documents, and nothing appears on your credit record.
R5,000
About R2,165.00 per month over 3 months.
No paperwork needed to check. Nothing here touches your credit record.