Rating based on 94 reviews



  • Personal loans up to R75,000
  • Low-interest starting from 21%
  • Repayment up to 60 months

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Woolworths homepage

Author Woolworths. Screenshot of Woolworths website. [Accessed April 5, 2018]

About Woolworths

Being one of the oldest stores in South Africa, one would think we have been there, done that and got the T-shirt but we still standing strong and giving our customers such a great service.

It is not common knowledge for most people to know about the personal loans that we offer. However, we have great deals that are not only affordable but can be accessible to every South African that meets our requirements.

Reliable and fast level of service

When we entered a partnership with ABSA, we knew our quick financial solutions would render even more successful. Having to work with such a big financial organization has caused a great impact on our side as a retail store. In fact, it has increased the number of clientele in our reach.

A consistent financial service

There is a range of credit products that can be accessed by a client who meets all our terms and conditions. Furthermore, you need to ensure that you will be able to pay for the loan you are applying for.

Woolworths Services

We have a great number of financial solutions you might be interested in. These include personal finance such as loans and investments.

At the end of the day, we want to see you grow your brand in the best way you know how. There is a number of deals you can shop online or in the store that will help you save a lot of money. Make use of our credit cards and you will realize that you have the opportunity of even saving many more products.

Achieving your requirements in the best way we know how

One of the reasons why we decided on offering our customers revolving personal loans was so that they could choose which loan they want so they can have a better idea of manipulating their budget to meet the payment requirements.

There will always be a need that may not be able to wait until month end. Hence, you will have no other choice but to take up a loan. All this will require you to act very quickly on your toes to avoid any delays on what you what you achieve.

Woolworths Product Details

  • Loan Type Personal loans
  • Interest Rate from 21%
  • Loan Amount up to R75,000
  • Repayment 160 days to 60 months

Summary of Services

  • Get cash in 48 hours
  • Flexible loan terms
  • Flexibility to increase your limit

At Woolworth's you will find a unique loan service

Make use of our quick loans assessment and you will find that our customers have found our services to be very effective.

The money will be deposited in two business days

All you have to do is complete the online loan application form. After this, we will go through your credit application where we will inquire with you about certain other documents we will need as part of the verification and assessment process. Once all of this has been done, the money will be deposited into your bank account in two days.

The maximum amount of money you can borrow is R30 000

Although you can take up to 5 years to pay your loan, you will save on interest if you finish paying it off a lot sooner. Furthermore, don’t take the entire R30 000 even if that is the money you can afford. Only take what you need and pay it within schedule, pay it even sooner if it is possible.

Ensure that you can afford the interest charges on your loan

The interest rate is what you need to pay apart from the actual loan itself. Therefore, before you can take up a loan, ensure that you are happy with the additional charges thereof. If you are not satisfied, try to find a less credit plan that will be well within your affordability specification. In essence, you should never put yourself in a financially compelling position.

Our credit plans are always changing

We will give you an instant loan as long as you meet the set credit criteria we have set in our agreement. The end product is the fact that our personal loans are able to help a number of households during hard times.

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Woolworths is a trusted & reliable provider of personal loans

In our review, Woolworths adheres to the compliance criteria in accordance with NCA regulations, where the granting the loan will not cause financial distress to the consumer.

Woolworths is a registered credit provider in South Africa: NCRCP49

Customer Reviews & Testimonials

April 2019

Woolies is one of my number one favourite stores; from their clothing to their food and now their finances. They are a name I have grown to trust and am so happy to see that they are branching ou...

Belinda C
— Port Elizabeth —

April 2019

One thing that I need in finance is variety and flexibility and Woolies offers both; they have a series of loans to choose from and helped to package it exactly the way that I wanted it.

Daniel M
— Durban —

March 2019

With their online application, I do not even need to head to the store. Woollies certainly finds new ways to make their customers’ lives more convenient.

Duncan S
— Bloemfontein —

Woolworths Contact Details

Physical Address

  • Adderley St & Strand Street, Cape Town City Centre Cape Town Western Cape 8001 South Africa
  • Get Directions

Opening Hours

  • Monday 07:00 – 18:00
  • Tuesday 07:00 – 18:00
  • Wednesday 07:00 – 18:00
  • Thursday 07:00 – 18:00
  • Friday 07:00 – 18:00
  • Saturday 09:00 – 17:00
  • Sunday – Closed