Who We Are

About Tenacity Financial Services

Since April 2007, Tenacity Financial Services has been one of the supporting services for the Pepkor Group, providing private label credit cards to retailers within the group.

Our credit programmes are highly regarded for their simple pricing structures, quick time to market, and ongoing professional support. We currently operate in South Africa, Namibia, Eswatini, and Botswana, running credit programmes for Refinery, Pep, Ackermans, Shoe City, Dunns, and Tekkie Town.

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We are experts in the management of retailer in-store credit card programmes. All our programmes are supported by sound technology and skilled staff.


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  • Tenacity Financial Services, a division of Pepkor Trading (Pty) Ltd, a registered credit provider NCRCP 13053 and authorised FSP.
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