Vehicle Finance Capitec Interest (South Africa)
Introduction
Understanding Capitec vehicle finance interest rates is crucial when planning a car purchase. Rates depend on credit profile, deposit, loan term, and vehicle type.
Current Rates (2025)
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Fixed Rate: ~10.2%
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Variable Rate: ~11.3%
Factors Affecting Rates
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Credit score
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Deposit
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Loan term
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Vehicle type
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Prime rate
Example: Car price R250,000, deposit R50,000, 60 months → ± R4,700/month.
Conclusion
Capitec interest rates are competitive. Understanding them helps reduce costs and plan repayment.