Head-to-head · Personal Loan Apps
Capitec Personal Loan vs Metrobank Personal Loan
Capitec Personal Loan leads on 2 checks, Metrobank Personal Loan on 0, and 1 is even. Who comes out ahead on the 3 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.
Our verdict
- Highest scoreCapitec Personal Loan · 8.6/10
- Most featuresCapitec Personal Loan · 2 of 2
Capitec Personal Loan scores higher on our rubric for personal loan apps: 8.6 against 7.1 out of 10; our editors rank them #2 and #5.
Capitec Personal Loan offers origination fee; Metrobank Personal Loan doesn't. Capitec Personal Loan offers prequalification; Metrobank Personal Loan doesn't.
Capitec Personal Loan is the better fit for large South African consolidation loans. Metrobank Personal Loan is the better fit for philippine borrowers needing larger amounts.
- Capitec Personal Loan fits best
Large South African consolidation loans
- Metrobank Personal Loan fits best
Philippine borrowers needing larger amounts
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Side by side
| Feature | Capitec Personal Loan 8.6/10 Visit ↗ | Metrobank Personal Loan 7.1/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 8.6 | 7.1 |
| Ranking | #2 in Personal Loan Apps | #5 in Personal Loan Apps |
| Best for | Large South African consolidation loans | Philippine borrowers needing larger amounts |
| Pricing model | Paid | Paid |
| Starting price | Not published | Not published |
| Free plan | — | — |
| Free trial | — | — |
| Deployment | Cloud, Mobile | Cloud, Mobile |
| Platforms | Web, iOS, Android | Web |
| Support | Phone | Phone |
| Built for | Small business, Mid-market, Enterprise | Solo |
| Features Capitec Personal Loan 2/2 · Metrobank Personal Loan 0/2 | ||
| Origination fee | ✓ (best) | — |
| Prequalification | ✓ (best) | — |
| Specs | ||
| Loan amount range | R25,000–R500,000 (amounts shown in rate table; headline maximum R500,000) | PHP 20,000–PHP 2,000,000 |
| APR range | Maximum APR examples range from 17.20% to 48.27%; stated interest rates range from 12.50% to 28.00% depending on amount and term | 30.516%–33.317%; stated APR/EIR range |
| Loan purposes | Debt consolidation | Personal purchases, home repairs, weddings, tuition fees, debt consolidation, medical emergencies, and other unexpected expenses |
| Mobile apps | Both | Not published |
| Our review | ||
| Pros |
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| Cons |
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| Our verdict | Capitec Personal Loan is a South African term-loan product from Capitec Bank for borrowers seeking substantial personal financing, especially debt consolidation. Applicants can request an online credit estimate and apply through the… Read the review → |
Metrobank Personal Loan is an online borrowing product for eligible Filipino citizens seeking funds for personal expenses. Applicants can request PHP 20,000 to PHP 2,000,000, subject to credit evaluation, for uses such as home repairs,… Read the review → |
Strengths and trade-offs
Capitec Personal Loan — where it wins
- Loans up to R500,000 with 12–84-month repayment terms
- Personalised rates and fixed monthly repayments
- Online, app, phone and branch application options
Where it doesn't
- Maximum APR examples range from 17.20% to 48.27%
- Origination fees apply
- Credit insurance is required with the loan
Metrobank Personal Loan — where it wins
- Loan amounts from PHP 20,000 to PHP 2,000,000, subject to evaluation
- 12-, 18-, 24-, or 36-month repayment terms
- Calculator estimates monthly amortization and fees before applying
Where it doesn't
- Stated APR/EIR ranges from 30.516% to 33.317%
- No prequalification is offered before submitting an application
- Automatic debit requires a Metrobank deposit account
- Capitec Personal Loan8.6/10 · Paid
A flexible consolidation loan with broad terms, but rates and fees can reduce value.
Visit CapitecFull verdict → - Metrobank Personal Loan7.1/10 · Paid
A large-balance Metrobank loan with calculator estimates and automatic debit repayment.
Visit MetrobankFull verdict →
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- Kotak811 Personal Loan vs Metrobank Personal Loan
All personal loan apps comparisons → · Full ranking →
Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
Last updated · How we research and update