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Flexibility for real convenience - benefits of a Woolworths Personal Loan

Two types of loans are available. Be assured we will find the one that is best for you.

a Fixed Term Personal Loan gives you:

  • a choice of 12, 24, 36, 48 or 60 month repayment periods each time you borrow.
  • fixed repayments so you can plan and budget accordingly.
  • the opportunity to re-apply once your loan is settled.

a Revolving Personal Loan gives you:

  • a choice of 12, 24, 36, 48 or 60 month repayment periods each time your borrow.
  • the ability to withdraw a minimum loan of R1 000, increasing in multiples of R500.
  • the opportunity to re-use money that has been paid back towards the loan.
  • the convenience of being able to access cash through our easy interactive voice message system.

A choice of repayment periods

Our choice of repayment periods and interest rates are designed to make it easier for you to manage your personal finances. Please note: the following examples are provided for illustrative purposes only. The actual calculations for your loan will be shown on the pre-agreement statement and quotation.

Loan payment table*

For illustrative purposes. Only on new personal loan applications.

Amount borrowed
Repayment Table
12 months
24 months
36 months 48 months
60 months
R4 000
R 374.57
R 207.71
R 152.97 N/A
R10 000
R 936.43
R 519.28
R 382.42 R 315.60
R 276.76
R20 000
R 1,872.85
R 1,038.55
R 764.84 R 631.21
R 553.52
R30 000
R 2,809.28
R 1,557.83
R 1,147.27 R 946.81
R 830.27
R40 000
R 3,745.70
R 2,077.10
R 1,529.69 R 1,262.42
R 1,107.03
R75 000
R 7,023.19
R 3,894.57
R 2,868.17 R 2,367.03
R 2,075.68

* The figures shown above are approximate and will vary according to interest rate fluctuations. Terms and conditions apply.
The figures are applicable to new personal loan applications.
Approval  is subject to company risk and affordability criteria
The instalment is calculated at an interest rate of 22.1%
The instalment  excludes the monthly service fee and optional balance protection insurance
The interest rate charged for both Revolving and Fixed Term Personal Loans will not exceed the maximum allowed by the National Credit Act.

Related links

Payment table
Terms and conditions
Frequently asked questions
Apply now

Woolworths Financial Services is an authorised financial services provider. (Licence number: 15289)
© 2006 woolworths holdings limited. all rights strictly reserved.