Head-to-head · Personal Loan Apps
Capitec Personal Loan vs MoneyLion Personal Loans
Capitec Personal Loan leads on 0 checks, MoneyLion Personal Loans on 1, and 2 are 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
- Free planonly MoneyLion Personal Loans
Capitec Personal Loan scores higher on our rubric for personal loan apps: 8.6 against 6.8 out of 10; our editors rank them #2 and #7.
MoneyLion Personal Loans offers free plan; Capitec Personal Loan doesn't.
Capitec Personal Loan is the better fit for large South African consolidation loans. MoneyLion Personal Loans is the better fit for free mobile loan-offer comparison.
- Capitec Personal Loan fits best
Large South African consolidation loans
- MoneyLion Personal Loans fits best
Free mobile loan-offer comparison
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Side by side
| Feature | Capitec Personal Loan 8.6/10 Visit ↗ | MoneyLion Personal Loans 6.8/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 8.6 | 6.8 |
| Ranking | #2 in Personal Loan Apps | #7 in Personal Loan Apps |
| Best for | Large South African consolidation loans | Free mobile loan-offer comparison |
| Pricing model | Paid | Free |
| Starting price | Not published | Not published |
| Free plan | — | ✓ (best) |
| Free trial | — | — |
| Deployment | Cloud, Mobile | Cloud, Mobile |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Support | Phone | Email, Phone · 24/7 |
| Built for | Small business, Mid-market, Enterprise | Solo, Small business, Mid-market, Enterprise |
| Features Capitec Personal Loan 2/2 · MoneyLion Personal Loans 2/2 | ||
| Origination fee | ✓ | ✓ |
| Prequalification | ✓ | ✓ |
| Specs | ||
| Loan amount range | R25,000–R500,000 (amounts shown in rate table; headline maximum R500,000) | Not published |
| 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 | Not published |
| Loan purposes | Debt consolidation | debt consolidation; credit-card payoff; home improvement; medical bills; education; large purchases; weddings; unexpected expenses |
| Mobile apps | Both | Both |
| Our review | ||
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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 → |
MoneyLion Personal Loans is an online marketplace that matches consumers with personal-loan offers from partner lenders. Applicants provide a desired amount, loan purpose, and basic financial details, then compare matched offers. The… 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
MoneyLion Personal Loans — where it wins
- Compare partner offers side by side by rate, term, and monthly payment
- Explore matched offers with a soft search that does not affect credit score
- Apply online and submit documents for a range of loan purposes
Where it doesn't
- MoneyLion refers applicants to lenders rather than making loans directly
- Participating lenders determine final rates, fees, approval, and terms
- No comparable APR range or verified minimum loan amount is published
- Capitec Personal Loan8.6/10 · Paid
A flexible consolidation loan with broad terms, but rates and fees can reduce value.
Visit CapitecFull verdict → - MoneyLion Personal Loans6.8/10 · Free plan
A free marketplace for comparing matched personal-loan offers without a credit-score impact.
Visit MoneyLionFull verdict →
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- Kotak811 Personal Loan vs MoneyLion Personal Loans
All personal loan apps comparisons → · Full ranking →
Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
Last updated · How we research and update