Frequently asked questions.

How much can I borrow?

At Capfin Money, we offer loans from $500 to $5,000 to help with all kinds of expenses including car repairs, medical bills, bond, dental work, even that trip to Bali!

Applying is simple and we help you work out how much you can afford to borrow. Repayments can be scheduled to suit you and generally occur weekly or fortnightly.

How much does a Capfin Money loan cost?

It all depends on how much you would like to borrow and the period of time you would like to take the loan over. The loan calculator on our homepage allows you to select your loan amount and then displays what your repayments would be over different terms. If you choose to repay your loan before the scheduled end date you will not be penalised. There are no early payout fees with Capfin Money loans. Apply Now.

Who is Capfin Money?

Capfin Money is an ASIC licensed credit provider that’s offered short term financial solutions for ten years. Having written more than 3.5 million personal loans globally, Capfin Money is a trusted provider that has the expertise to offer you an affordable loan that best suits your situation. We have a long standing relationship with international retail group Pepkor, which operates more than 4000 stores in 15 countries.

Am I eligible to apply for a Capfin Money loan?

To apply for a Capfin Money loan you need to be:

  • A permanent Australian resident.
  • 18 years of age or older.
  • Paid $500 or more a week into your bank account.
  • Not In bankruptcy or part 9 agreement.

Applying for a Capfin Money loan is free and our online application process takes just minutes to complete.

Are any documents required with my application?

When you apply for a Capfin Money loan you will need to provide us with a copy of your photo ID, last 90 days bank statements and your Centrelink statement (if applicable). For your convenience, you can submit these required documents electronically.

We provide a secure service on our website called Provisio that you can use to easily access your bank and Centrelink statements. Your photo ID will need to be uploaded to our site or sent to us by MMS or email.

Does Capfin Money do credit history checks?

As part of our assessment of your application we conduct a credit check. But don’t worry if you have a default on your file as we may still be able to help you depending on the circumstances. We cannot lend to you if you are currently in bankruptcy or Part IX debt agreement.

How much does it cost to apply for a Capfin Money loan?

Applying for a Capfin Money loan is free of charge. Our simple 3 step application process is completely online for your convenience. There are no appointments at the bank, no standing in queues and no need to fill out piles of paperwork! Apply Now.

Can I apply for a Capfin Money loan if I receive Centrelink benefits?

Yes, if you receive Centrelink benefits and your total weekly income exceeds $500 you may still be eligible for a Capfin Money loan.

When will I know if I am approved?

We make sure to keep you updated on the progress of your loan application through regular emails and SMS. If conditionally approved we will contact you to let you know the good news so you can sign your contract online and receive your funds.

How long does it take to get my loan funded?

Capfin Money loans are generally funded overnight, our process is designed to be quick and convenient. If your loan is approved and signed by 3:00pm AEST, on banking days, your funds will be transferred to your bank account overnight. Otherwise, the payment will be processed on the next business day. Apply Now.

Are there any fees charged if I pay out my loan early?

No, there are no hidden fees or charges associated with a Capfin Money small personal loan. All charges are disclosed upfront within your contract and there is no penalty fee if you choose to pay out your loan early.

Will I be able to refinance my existing loan?

Yes, as a valued Capfin Money customer you can easily apply online to refinance your current loan. Provided you are not behind in your payments and have demonstrated enough repayment history we will be able to help. Click here.

How do I make repayments on my Capfin Money loan?

Loan repayments are scheduled to suit your pay dates and are direct debited from your nominated bank account either weekly or fortnightly.

Can I manage my loan online?

We have an online self-service platform allowing you to update your details and view your loan statement 24/7. To log in to your account please click here.

Can I talk to someone about a loan with Capfin Money?

Yes, you certainly can. If you have any questions please don’t hesitate to contact us on 1300 77 68 63 during (AEST) business hours to speak to one of our customer service representatives.

Telephone: 1300 776 863

Fax: 1300 776 815


Ready to start your loan application? Apply Now