Financial Services

A combination of Pepkor’s product offerings, retail footprint and customer acquisition capability has enabled expansion of our financial services offering over the years.


Capfin provides unsecured credit to customers. Its approach to business is rooted in ethical, responsible and compliant credit policies and practices, designed to protect customer interests. Capfin strives to make loan applications accessible, simple and hassle-free.



Tenacity supports the Ackermans, PEP and Pepkor Speciality brands in terms of interoperable credit sales across brands through store cards to customers. Its credit programmes are highly regarded for their simple pricing structures, quick time to market and ongoing professional support.

Connect provides credit through instalment sale receivables to the furniture, appliances and electronics brand, offering flexible terms to make purchases more affordable, as well as various payment options.


Abacus is a niche insurer that focuses on addressing the insurance needs of Pepkor’s retail customers. They provide easy and affordable insurance products by delivering efficient and personalised service and being readily accessible at all times.