Rating based on 54 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 30, 2018]

About Woolworths

Woolworths was established by Max Sonnenberg in 1931 and has since then grown and evolved to one of South Africa's largest and most prominent retailers.

Our products and services are of superior quality and offer South African's great value for money.

One of the best companies to work for

We believe that our people are the key to our ongoing success and that's why we're one of the best companies to work for offering employees pensions, medical cover and opportunities to grow their careers within the company.

Our people are here to ensure you get only the best and with us you can get a loan by completing an online loan application.

What Woolworths can offer you

Woolworths is well known as a full house clothing and food produce retailer serving products of the highest quality.

From fresh imported foods to locally sourced meat and dairy produce we offer a customer the freshest, most nutritious and tasty food in the country. In addition to this our financial division also offers personal loans.

Getting to grips with our personal loans

At Woolworths Financial Services we offer credit cards with fantastic rewards, store cards, insurance cover and personal loans that range from R2,000 to R75,000. Our interest rate is fixed - so you won't ever have to pay more than you initially thought!

Woolworths Personal loans

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

Benefits of Woolworths

  • Flexible loan terms
  • Loans up to R75,000
  • Flexibility to increase your limit
  • Repayment terms up to 60 months
  • Get cash in 48 hours

Personal loans calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Our products and services are of a superior quality

Applying for a quick micro-loan with Woolworth is simple and easy.

You can do so by visiting us in branch and making an application or by applying for a loan online via our modern online shopping and lending platform.

Do you qualify to apply with Woolworths?

You will have to be over the age of 18, employed full time and earning R2,000 or more per month, in possession of a South African identity document and 3-month bank statements to apply with us.

One of the most common questions that we get asked is whether we can offer bad credit loans to people who are blacklisted or have a bad credit history.

While we evaluate each application individually, we are required by law to run a credit check to ensure the customer is in a position to afford the cash loan.

I meet all the credit requirements but my personal loan application was turned down

Meeting all our credit requirements doesn’t necessarily mean your personal loan application will be approved. There are a number of factors that need to be considered before we actually send you the money.

Should the client not have enough credibility, we won’t be able to approve his loan. This means you may have more than one personal loan under your name that you are already paying for. If this is the case, we need to check whether you will have enough money to pay for an additional advance plan.

Is there something I can do to increase my chances of approval?

The best thing to do to increase your chances of getting your personal loan approved is to start saving instead of spending. If a loan is not really necessary, there is no need to apply for credit that you don’t really need.

Finish paying off your loans as soon as possible. If you are able to pay for your personal loan earlier than the required date, even better. Do whatever it takes to ensure that your name and your credit profile is on the right track.

Customer Reviews & Testimonials

February 2019

Using the Woolworths website to apply for a personal loan was easy and hassle-free.

Boitumelo M
— Rustenburg —

March 2019

I am happy that I can still afford to pay some of my other financial obligations after I have paid my Woolworths personal loan.

Gareth S
— Port Elizabeth —

Woolworths Contact Details

Contact Number



Physical Address

Opening Hours

  • Monday 08:00 – 17:30
  • Tuesday 08:00 – 17:30
  • Wednesday 08:00 – 17:30
  • Thursday 08:00 – 17:30
  • Friday 08:00 – 17:30
  • Saturday 08:00 – 17:30
  • Sunday 09:00 – 13:00