PEP Loan

PEP is a well-known, affordable clothing and general merchandise retailer in South Africa.

But they go beyond just offering a wide range of quality products – they’ve combined shopping with financial empowerment making it easy for you to achieve your financial dreams.

With a vision to support their customers in every aspect of life, they’ve teamed up with Capfin, a trusted financial partner, to provide accessible short-term loans.

Ethos and values: Building stronger communities

The company operates with integrity, transparency and social responsibility. They believe every South African deserves a chance to thrive, regardless of background or circumstances.

By providing loan options for a rainbow nation they foster financial inclusion and actively contribute to building stronger communities with bright futures.

Customer-centric approach: Your dreams, their priority

You’re at the heart of everything they do. Committed to giving exceptional service they aim to understand your specific needs and goals.

Financial education: Equipping for success

They don’t only provide loans, they’re also passionate about educating you and giving you the skills necessary for long-term financial success. The company offers resources and workshops, empowering you to make good financial decisions.

They believe that financial freedom comes from access to funds and from the ability to manage them wisely.

Partnerships and community initiatives: Supporting growth together

Their partnership with Capfin loans gives them the resources and expertise to make your dreams a reality.  Their willingness to collaborate with well-established organisations is one of the reasons they continue to see impressive financial growth. It also shows their commitment to your catering to your financial needs. 

This partnership also supports community initiatives that uplift and empower. Through strategic alliances and community engagement, PEP aims to create a ripple effect of positive change, fostering economic growth and opportunities for all.

They inspire hope and trust for individuals and businesses in South Africa’s ever-changing economic climate.

Driven by a customer-centric approach, affordability, and a strong commitment to social responsibility, they unlock the potential of dreams and pave the way for a brighter future.

PEP Loans offers financial solutions that are convenient and flexible.

Whether you need extra cash for unexpected expenses or you're looking to fund a personal project, they have the solution for you. With a wide range of plans and products designed to suit different needs, borrowing is easy and accessible.

Competitive interest rates: Making dreams affordable

At PEP they recognise that affordability plays a crucial role in shaping financial decisions. That's why they offer highly competitive interest rates, ensuring that dreams remain within reach. By keeping interest rates low, they commit to providing financial solutions that empower you to move forward without the burden of excessive debt.

Unlock your financial potential: PEP and Capfin's empowering short-term loans

PEP and Capfin offer short-term loans in South Africa. Convenient application process, instant approval, no collateral, and flexible repayment options promote financial inclusion and customer satisfaction.

Short-term loans:

They specialise in short-term loans that are ideal for covering unexpected expenses or bridging temporary financial gaps. These loans are designed to be repaid within a short period, usually between 1 and 6 months.

Flexible repayment options:

PEP Loans offers various repayment methods, including debit orders, Electronic Funds Transfer (EFT), and in-store payments. This flexibility allows you to choose the repayment option that suits your preferences and financial circumstances.

Example of their repayment plan: 

6-Month Plan:

• Loan Amount R5000
• Maximum Interest Rate 6.5% per month
• Initiation Fee R600
• Monthly Service Fee R80
• Maximum Monthly Installment R930
• Maximum Loan Repayment R5580

12-Month Plan:

• Loan Amount R5000
• Maximum Interest Rate 32.5% per annum
• Initiation Fee R600
• Monthly Service Fee R80
• Maximum Monthly Installment R520
• Maximum Loan Repayment R6240

Please note that the figures provided in the table are for illustrative purposes only and may not reflect the exact terms and conditions of Pep loans. When it comes to financial solutions, they stand out as a reliable and customer-focused provider.

Through their partnership with Capfin, the company ensures that short-term borrowing needs are met efficiently and conveniently.