Williams Financial Services Pretoria

Apply For A Same Day Cash Loan Online - Instant Decision

Williams Financial Services Pretoria continues to set a high standard in the financial sector, offering reliable and efficient loan services that prioritize client needs and financial health. Offering a range of loan products designed to meet various financial needs, WFS is committed to providing quick, transparent, and reliable financial solutions to its clients across South Africa.

Flexible Loan Options with Competitive Rates

Initial Loan Terms

Williams Financial Services offers a unique loan structure, ensuring that borrowers can manage their finances effectively. For the first loan of the year, the interest rate is 5% per month, equating to a maximum of 60% APR. Subsequent loans within the same calendar year enjoy a reduced interest rate of 3% per month, translating to a maximum of 36% APR.

Repayment Terms

Repayments are structured over a period of no less than 2 months and no more than 6 months, providing flexibility and ease of management for borrowers.

Renewal Policy

Renewing loans with WFS is straightforward and transparent. While no renewals are automatic, borrowers who successfully repay their loans three times may qualify for the same amount again, with potential for review based on financial circumstances and affordability. Importantly, no additional fees are charged for loan renewals, maintaining compliance with Chapter 5 of the Credit Act No 34 of 2005.

Collection Policy

All collections are conducted via NAEDO Debit orders, with FNB’s Authenticated Collections soon to be introduced. This ensures a seamless and secure process for both the lender and borrower.

Consequences of Non-Payment

Non-payment of loans results in a R60 service fee if the loan is in arrears for 30 days, along with an additional interest of 3% per month for up to two months. Beyond this period, the debt is handed over to an external collection agency and their attorneys, potentially affecting the borrower’s credit rating.

Example Loan Calculation

For a loan of R2000 borrowed for 60 days, the costs are as follows:

  • Initiation Fee: R255.00
  • Service Fee: R104.50
  • Interest: R58.32
  • VAT: R0.00

Total to Repay: R2610.62

Required Documents to Apply

To apply for a loan with Williams Financial Services, applicants must provide:

  • A valid South African ID number
  • Latest 3 months bank statements
  • Valid cell phone number
  • Bank account details
  • Proof of residence

Why Choose Williams Financial Services?

Convenient and Electronic

WFS offers a paperless, secure online credit application platform, ensuring privacy and confidentiality of client information.

Flexible Terms

Loans can be applied for from anywhere within South Africa, with the option to pay off loans early to save on interest.


WFS adheres strictly to the National Credit Act, offering competitive rates with no hidden charges. All fees are clearly outlined upfront.

How It Works

Step 1: Use the Sliding Scale

On the WFS homepage, use the sliding scale to determine the loan amount and repayment period. Click “apply” to start the application process.

Step 2: Quick and Easy Application Form

Complete the secure application form with accurate information and submit it for assessment.

Step 3: Application Validation

Upon approval, upload necessary documents such as ID, bank statements, and proof of residence for income validation.

Step 4: Cash Relief in Your Account

Once approved, the loan amount will be transferred to your bank account, with repayments collected on the selected date.

Contact Williams Financial Services

For further assistance or queries, contact WFS at customer@williamsfinance.co.za.

Eligibility Criteria

To qualify for a loan, applicants must:

  • Be 18 years or older
  • Have a valid South African ID number
  • Provide required documents (latest payslip and 3 months bank statement)
  • Have a valid cell phone number and an active email address
  • Be employed for at least 3 months
  • Not be under debt review, administration, or sequestration
  • Provide proof of residence

All applications are subject to an affordability assessment and credit check in compliance with the National Credit Act 34 of 2005.

Quick Loan Disbursement

After approval and document verification, funds are transferred to the borrower’s bank account within 2 hours.

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