Pep Stores is a leading retail outlet operating in South Africa as well as across the African continent. In addition to selling clothing, footwear and other accessories, Pep Stores offers financial services designed to make the lives of its customers easier.

As a registered credit provider with the National Credit Regulator (NCR), Pep Stores Loans online provide access to quick, simple and smart personal loans. The online application process is hassle-free.

What are the qualifying criteria for Pep Stores Loans online?

  • Provide a valid South African ID
  • Provide a valid cell phone number
  • Be permanently employed with a monthly salary paid into your bank account
  • Provide your latest 3 months’ bank statements or payslips

Pep Stores loans online are administered in partnership with Capfin. Applying for a loan is simple, as there is no need to queue at a bank and there are no lengthy face-to-face interviews.

A loan is just a click away with Capfin Direct. All you need to do is upload your documents or call 087 354 00 00.

Capfin Direct is an online and USSD self-service portal where you can perform account management tasks such as checking your outstanding balance, obtaining a settlement quote or statement, uploading your personal details and applying for a loan (existing customers only).

For the free USSD service, dial *134*6454#. Existing Capfin customers can apply for a loan via Capfin Direct. All you need is a valid email address, a cell phone and your valid South African ID number.

Why choose Pep Stores Loans Online?

Through Pep Stores Loans online, borrowers can get access to a maximum loan amount of R20 000, while the new 1 month loan option gives individuals access to loan amounts of between R500 and R4000 maximum.

Pay-outs are made within 48 hours.

Visit to apply