One of the top fashion retailers in South Africa, Ackermans, offers store credit accounts called Ackermans Accounts. Customers can choose to purchase now and pay later at Ackermans or at any of the Pepkor group’s locations, such as PEP, Shoe City, Tekkie Town, and others.
In summary, it functions similarly to a little credit card designed especially for certain brands.
How Does It Work?
Once you’re approved for an Ackermans Account, you’ll receive a monthly credit limit. You can shop within that limit and pay off your balance in monthly instalments.
Ackermans offers flexible repayment terms—either 6 or 12 months. Interest will be charged, but as long as you pay on time, it’s manageable and a great way to build or improve your credit score.
Benefits of an Ackermans Account
* Access to Fashion Now: No need to wait for payday to get your hands on clothing, homeware, or baby essentials.
* Use It at Multiple Stores: Your account works at over 25 partner retailers.
* Affordable Repayment Options: Choose a payment plan that suits your budget.
* SMS Alerts & Statements: Stay up to date with what you owe and when it’s due.
* Optional Club Memberships: You can opt into funeral cover or other value-added services.
Who Can Apply?
To qualify, you need to:
- Be 18 years or older
- Have a valid SA ID or passport with a valid work permit
- Be permanently employed or earning a regular income
- Provide proof of income (like a payslip or bank statement)
How to Apply
You can apply in-store or online by visiting the Ackermans website. The process is pretty straightforward:
- Fill in your personal and employment info
- Upload your proof of income
- Wait for credit approval (usually quick!)
- Start shopping once your account is activated
Things to Keep in Mind
- It’s still credit, so treat it responsibly. Missed payments can affect your credit score.
- Always check the interest rate and monthly fees.
- Try to pay more than the minimum instalment when you can—it’ll save you money in the long run.
Final Thoughts
An Ackermans Account can be a great tool if you’re looking to manage your monthly spending or need a little flexibility. As with any credit product, it’s best used wisely and within your means. If you’re already shopping at Ackermans or its sister stores regularly, it might just be the convenience you didn’t know you needed.