Self-employed, informal or cash income? Here's the proof retailers accept instead — and who's most flexible.
Often yes — a payslip is just one way to prove income. If you're self-employed, paid in cash, or earn informally, retailers can usually accept alternative proof, because what they actually need is evidence you can afford the repayments.
Under the National Credit Act, a retailer must be able to see that you can afford the account. Consistent, verifiable income — however you earn it — matters more than the specific document. Accounts with a lower entry bar are usually easier to secure this way.
Value retailers (Ackermans, Jet, Mr Price) are generally the most accommodating when your income is irregular. Premium accounts tend to expect a formal, steady salary.
See the full comparison table or our documents guide for exactly what each store asks for.
