Rating based on 28 reviews


  • Quick loans up to $5,000
  • Low-interest starting from 43%
  • Repayment up to 78 weeks

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Capfin homepage
Author Capfin. Screenshot of Capfin website.
[Accessed May 24, 2023]

About Capfin

For a super fast application process to access a few hundred dollars, Capfin is hard to beat. With a super sleek site that has all of the essentials in a logical and prompt array, Capfin is making a name for itself as a user-friendly lender catering for small personal loan needs.

A speedy loan application

The overall logic of the site shines through and Capfin has made successful efforts to ensure that the process of applying for a loan is as speedy as possible.

The company meets all mandatory government requirements regarding information that allows consumers to make an informed choice.

Need assistance?

Capfin posts helpline details on the home page alongside a string of logical resources and all of this makes Capfin a great option for anyone seeking a bit of extra cash. Note that the helpline runs during business hours only.

Have you used capfin before?

Clearly aiming at building a base of returning clients, the seamless and easy online loan application process takes around 4 minutes to complete.

Right at the outset, returning clients can be identified and bypass much of the needed form filling that way. Indeed, there is an existing customer login tab that facilitates returning clients a great deal although even new clients won’t be unduly tied up in the quick loan application process.

Capfin Services

Fast cash loans from Capfin range from a minimum of $500 all the way up to $5,000. Although clients are typically asked the purpose of the loan, pretty much any reason will do - sudden expenses, vehicle repairs, medical expenses, sundry fees and planned holidays.

Repayment terms

Repayment periods range from 26 weeks (on the lower end short term loans of $1,000 or less) all the way through to 78 weeks at the maximum loan end of $5,000.

There is a handy loan repayment calculator accessible from various points onsite that will enable any prospective client to view their anticipated repayments.

Debit order repayments

Repayments are conducted strictly by debit order and the most usual arrangement runs either weekly or fortnightly. This is a frequency a client can arrange with Capfin as they are generally flexible and merely want to synchronise with whatever suits an individual customer.

Self-employed welcome

Both employees and self-employed clients can apply at Capfin, as long as bank statements reflect a regular income over a period of months. All necessary documents can be uploaded electronically, via the site.

Capfin – Quick loan

  • Loan Type Quick loans
  • Interest Rate from 43%
  • Loan Amount up to $5,000
  • Repayment 26 weeks to 78 weeks

Benefits of Capfin

  • Fast Loans

Quick loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This quick loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Our quick loans can help you pay for any cash emergency

Among all options, Capfin does stand out due to its success is not merely offering a needed service but also because of its smooth site and somewhat broader appeal to returning clients. One can also refinance a loan with Capfin.

Simple application requirements

Unless one is currently in a Part 9 Agreement or still officially bankrupt, if you are Australian and 18 or older, Capfin is almost certainly going to loan you cash as you require.

Clients do need to upload their photo ID when applying but the application process is brisk and brief, although not the absolute quickest on the market. This is a product of their desire to form long term relationships with their clients and a negligible concern for quick cash loan applicants for the most part.

Repay early penalty-free

There are no penalty fees for early settlement and although the maximum APR 48% isn’t the lowest around, this is the only charge to loaning from Capfin.

All in all, a company of growing interest, Capfin has positioned itself well in the marketplace and generates a feeling of welcome through both its tone and products, something not necessarily common in the online world.

What are the implications of late payments?

Failure to adhere to your own financial obligation will means additional charges on your next payment date. The client should also notify us as soon as he sees that his payment may be late due to unforeseen circumstances. This means that the customer shouldn’t wait until the actual date of the debit order to notify us.

A pattern of late payments will make your credit profile look weaker. One of your duties as a customer is to always ensure that your credit profile is strong. We usually advise clients to be certain that they will be able to pay for their quick cash loans before applying for it.

Ensure that you understand all the terms and conditions of your quick cash loan application

We have seen that a number of customers don’t read the terms and conditions and they just sign. It is important that you go through your contract so that you will know what is expected of you now that your loan application has been approved.

Our agents will ensure that you understand everything and if you have any questions or any clarity that you may need please don’t hesitate to contact us.

man holding thumbs up

Capfin is a trusted & reliable provider of quick loans

In our review, Capfin adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ Capfin is a registered credit provider in Australia: ACL 387995

Customer Reviews & Testimonials

April 2018

Capfin took only hours to get back to me after I completed my quick cash loan application

Samantha F
— Sydney —

April 2019

Thanks to the agent at Capfin that explained to me the quick cash loan application process. She was such a darling.

Melanie H
— Melbourne —

December 2018

With the interest rates that I am paying on my Capfin quick cash loan, I am able to still pay my other loans.

John C
— New South Wales —

September 2018

The interest rates at Capfin is actually affordable!

Jeremy F
— Victoria —

May 2019

Applying for a Capfin quick cash loan is easy and convenient. Everything is straightforward!

Mavis Y
— Melbourne —

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