Our story
A clear, responsible approach to short-term credit
Capital Sprout was established to provide transparent credit for defined, short-term financial needs — nothing more, nothing hidden.
Why we exist
Life doesn't always wait for payday
A geyser bursts. A car needs repairs before you can get to work. School starts and the uniform list is longer than expected. These are real, time-sensitive expenses — and they don't always line up with salary dates.
Our fixed three-month product is designed for customers who need to manage that timing responsibly: a defined amount, for a defined need, repaid over a defined period.
3
fixed monthly repayments — never more
100%
of costs shown before you accept
R0
penalty for settling your loan early
How we work
Built around one simple product
We don't offer a catalogue of confusing options. We offer one short-term loan with fixed repayments, assessed against what you can genuinely afford.
Affordability is assessed on every application, loans are not rolled over, and there is no penalty for settling early. If your figures say the instalment would put you under pressure, we will tell you — and we won't lend.
What we stand by
The principles behind every loan
01
Costs you can see upfront
Every rand of interest and every fee is shown before you accept. What you see on day one is what you pay — nothing is added later.
02
A loan that ends
Our loans run for three fixed months and then they are done. We never roll a loan over into a new one to keep you paying.
03
We check it fits your life
Before we lend, we look at what you earn and what you already repay. If the instalment would put you under pressure, we don't lend.
04
Loyalty that rewards you
Eligible returning customers may access a lower monthly interest rate within the same year — because good repayment should count for something.
Read the commitments we lend by
Our lending promise sets out, in plain words, what you can expect from us before, during and after your loan.