Charles-Cook, 20, is a midfielder who came through the youth systems at Arsenal and then Charlton, making his debut for the Addicks in 2015.
He has made three appearances for the Charlton first-team this season, scoring his first goal in their 2-1 victory against Exeter City in the EFL Cup last month.
He also experienced National League football with Solihull Moors last season, playing thirteen times and scoring 4 goals whilst on loan from February.
On signing for the Cards, Charles-Cool said: "I'm buzzing to be honest, I can't wait to get started. I want to be involved in the weekend. I spoke to Anthony during the week and he was telling me his plans, the way he likes to play, which also fits my style because I also like to get the ball down and play little one-twos and get on the ball. I also know a couple of players here and they have told me good things about Woking."
Manager Anthony Limbrick commented: "Regan is a player we have been monitoring for a while and we are delighted to have secured him on loan. He is a player who can play a variety of midfield positions and has good experience at this level having played at Solihull Moors last season, scoring 4 goals from thirteen starts".