Pepkor Payments and Lending (PPL) is the central support hub behind two trusted credit providers – Capfin and Tenacity Financial Services.

We enable Capfin and Tenacity Financial Services to empower their customers, while creating value for our Pepkor retail partners and shareholders.

We create smart, innovative payment and lending customer solutions that enable existing and new revenue streams, and drive growth, efficiency, and value for our Pepkor retail partners.

Capfin exist to make a positive, meaningful, and empowering impact in the lives of their clients through accessible and inclusive loan offerings.

Learn more about Capfin on their website, the Capfin Careers website, or on LinkedIn.

Tenacity Financial Services provides the A+ private label store cards to retailers in the Pepkor Group. Through the A+ card, Tenacity supports these retailers to improve customer experience and build long-term loyalty. Tenacity currently operates in South Africa, Namibia, Eswatini, and Botswana, running credit programmes for the following Pepkor brands:

FoneYam offers customers a safe, convenient, and affordable way to rent a new smartphone, providing a flexible alternative to traditional mobile purchases. FoneYam is currently available from the following stores: Ackermans, PEP and Dunns.