Independent · South Africa · Updated monthly
Compare credit limits, real requirements and how easy each account is to get across every major SA retailer. No guesswork, no wasted applications.
The comparison
Credit limits are set individually on affordability, so no retailer publishes a fixed range — we compare the things you can pin down. "How easy to get" is our editorial estimate.
| Store account | Credit provider | Interest-free | How easy to get | |
|---|---|---|---|---|
| TrTruworths | Truworths Ltd · NCRCP45 | Up to 6 months | Medium | View |
| MrMr Price | MRP Money · NCRCP46 | Interest-bearing | Easier | View |
| WoWoolworths | Woolworths FS · NCRCP49 | Up to 55 days | Stricter | View |
| FoFoschini | TFG Money · NCRCP36 | 6-month plan | Medium | View |
| EdEdgars | RCS · NCRCP38 | Up to 6 months* | Medium | View |
| AcAckermans | Tenacity / Pepkor · NCRCP13053 | Interest-bearing | Easier | View |
How it works
See who provides the credit, the interest-free terms and how strict each retailer is — before you apply anywhere.
Know the exact documents and income each account needs, so you don't waste an application (or a credit check).
Match the account to your budget and how you shop — clothing, homeware, groceries or all of it.
Follow our step-by-step guide and apply on the retailer's official site in about ten minutes.
The stores
Each guide covers what the account really costs, the exact requirements, how to apply, and how easy it is to get approved.
Worried you won't qualify?
The guidance the retailers won't put on their own websites — honest, and without the false promises.
What "blacklisted" really means, which accounts are more realistic, and how to rebuild — no "guaranteed approval" nonsense.
Read the honest guide →Self-employed, informal income or paid in cash — which proof of income retailers accept instead, and who's most flexible.
See your options →How to open your very first store account with no credit history, and the smartest starter accounts to build a record.
Start here →Why StoreAccounts
Limits, fees and interest-free terms pulled from each retailer's own published credit terms — not guesses.
Nobody can guarantee approval. We tell you what actually improves your odds and what to avoid.
Step-by-step guides take you straight to each retailer's official application — no middle pages, no data harvesting.
Retail credit terms change. We review every account regularly so you're not acting on last year's rules.
Common questions
A store account (also called a clothing account or store card) is a revolving credit line with a specific retailer or retail group. You buy now and pay later — usually with an interest-free window if you settle within an agreed period. It's a credit agreement regulated under the National Credit Act, so the retailer must run an affordability assessment before approving you.
Generally, value retailers like Ackermans, Jet and Mr Price have lower entry requirements and smaller starting limits, which makes them more accessible — especially for a first account. Premium accounts like Woolworths tend to assess affordability more strictly. See our easiest-to-get ranking for the full picture.
For most retailers you'll need a valid South African ID, proof of income (a recent payslip or, if self-employed, bank statements), and often three months of bank statements plus proof of residence. Our documents guide breaks down exactly what each store asks for.
It's harder, but not always impossible — and no legitimate site can promise approval. What matters is what's actually on your credit report. Our bad-credit guide explains your realistic options and how to improve your chances the honest way.
No. We're an independent comparison guide. Every application is made to, assessed by, and approved by the retailer (or its credit provider). We may earn a commission if you open an account through a link on our site — it never changes what you pay or your chance of approval.
Compare all eight retailers in one table, check what you'll need, and apply with confidence.
Compare store accounts
