Quick cash loans, the smart way.
Apply online in minutes, verify your identity with a live selfie, and get funded — all in Namibian Dollars (N$). Self-service borrowing, built for Namibia.
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Why Kapitano
Fast
Apply in minutes, not days.
Secure
Bank-grade encryption & KYC.
Compliant
NAMFISA & Usury Act aligned.
In N$
Loans from N$500 to N$50,000.
Plan your loan in Namibian Dollars
Drag the sliders to choose your loan amount and term. We'll show your monthly repayment, total interest and total repayable — calculated at our promotional flat rate of 22%.
- Loans from N$500 to N$50,000
- Terms from 1 to 5 months
- Responsible affordability check included
Loan calculator
| Month | Payment | Interest | Balance |
|---|---|---|---|
| 1 | N$2,033.33 | N$366.67 | N$3,333.34 |
| 2 | N$2,033.33 | N$366.67 | N$1,666.67 |
| 3 | N$2,033.33 | N$366.67 | N$0.01 |
| Total | N$6,100.00 | N$1,100.00 | — |
Illustrative only. Promotional flat rate of 22% for a limited time (terms of 1–5 months). Your actual offer depends on affordability and credit assessment. Loans are issued in N$.
How it works
Three simple steps from application to funds in your account.
Apply online
Fill in your details and choose a loan amount and term that suits you. All in N$.
Upload & verify
Upload your ID, salary slip and 3 months of bank statements, then take a live selfie for KYC.
Get funded
Once approved, your loan is disbursed. Track everything from your dashboard.
Aligned to Namibian law
Kapitano operates strictly within Namibia's lending regulatory framework. We never charge above the legal maximum and we lend responsibly.
- Supervised by NAMFISA (Namibia Financial Institutions Supervisory Authority)
- Compliant with the Usury Act and the Microlending Act 7 of 2018
- Promotional flat rate of 22% — within the NAMFISA cap
- KYC identity verification (live selfie vs. ID) as required by FICA
- Affordability assessment before any loan is granted
N$500 – N$50,000
Loan range
1 – 5 months
Repayment terms
22% flat
Promo rate
KYC
Liveness verified
Contact us
We're here to help. Reach us on the phone or by email.