Rating based on 87 reviews



  • Personal loans up to R40,000
  • Low-interest starting from 24%
  • Repayment up to 24 months

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FinChoice homepage

Author FinChoice. Screenshot of FinChoice website. [Accessed May 13, 2018]

About FinChoice

Our offices are based in Cape Town and we form part of the HomeChoice group. Fin Choice is a digital financial service provider offering flexible loans and cover on funeral policies.

We are fast becoming the loan company that many South Africans turn to when they are in need of a personal loan and we aim to make our products and services easily accessible while being completely transparent and helping you every step of the way.

Easy to apply

There is no need to stand in long queues or run around trying to get quotes. Simply log in to www.finchoice.mobi you will then be able to set up a unique login protected by a password. This login will give you full access to view all our available quick loan products and services, as well as manage your active loans and accounts.

Contact us

If you are having trouble logging in or just have a question, please contact us on 0861 346 246 during our contact centre calling hours. Monday – Friday: 07:30 till 19:00. Saturdays 08:00 – 17:00 or Sundays from: 09:00 – 14:00.

What do I need to apply?

Simply log in, create your own unique account, then fill in our online loan application form.

  • Full name and surname
  • ID number
  • Cell phone number
  • E-mail address

Read the terms and conditions and click the button that you agree. By clicking that you agree you are giving us consent to run a credit check. We will then contact you, to let you know if you qualify.

FinChoice Services

We offer different services to suit your individual needs as well as your budget.


Our KwikAdvance service allows you to borrow between R100 and R2 000. This type of loan is also called a payday loan as the full amount owing would need to be paid back on your next payday. These types are loans are great for when you only need a little bit of money, in a hurry or you need a bit of extra cash making it to your next payday.

Flexi loan

Our Flexiloan service allows up to lend up to R10 000 and gives you 6 months of easy re-payment terms for you to pay back the loan. This service also has a built-in protection plan that will cover your outstanding loan in the event that you become permanently disabled or in the event of your death.

These types of personal loans are perfect for when you need cash for unbudgeted expenses such as a car or home repairs or school fees. By granting you a longer time to pay back your loan, we take a bit of pressure off of you as you do not need to pay back the full amount in one lump sum and can stagger the payments to suit your pocket.

Premier loan

This loan is ideal for those more expensive expenses such as outstanding medical bills or need to replace your car. With this service, you may borrow up to R30 000 and you can choose to repay the loan over a 12, 24 or 36 month period. You choose how long you need to pay back the loan and we set up an un-demanding payment plan that will be easy to stick to and manage.

Personal loans

Apply today and find out if you qualify for one of our long or short-term loans. You could be able to borrow up to R30 000 and once approved the money will be paid directly into your bank account within 24 hours.

FinChoice Product Details

  • Loan Type Personal loans
  • Interest Rate from 24%
  • Loan Amount up to R40,000
  • Repayment 6 months to 24 months
  • Decision 2 minutes

Summary of Services

  • Affordable instalments
  • 24/7 access
  • Easy online application
  • Bad credit loans available

Get the best offer with FinChoice

All our loans are subject to a credit check and they will only be granted if we feel that you will be able to easily repay the instant cash loan without adversely affecting our current financial status or credit record. We have full discretion on whether or not to grant you a loan.

Once you have set up your unique login, you will be able to easily manage your account from your computer or even from your cell phone. This service allows you to quickly and easily:

  • Check the balance on your account
  • Apply for additional bad credit loans
  • Apply to skip a payment if you are having a difficult month

We are here for you

We understand that sometimes through no fault of your own, you might have a difficult month and that you may not be able to pay the fees owed to us. If this is the case, please contact us so that we can help you make arrangements when you need it most.

Remember, if you don’t let us know, we won’t be able to assist you and you may be charged additional fees due to late payment. We believe in helping our clients wherever possible.

Easy to complete application form

  • Once you have logged on and set up your unique login, we have made it effortless to upload your supporting documentation in order to secure your personal cash loan.
  • You can either upload your documents directly to the site by using our upload service and filling in the required details. Simply add the documents as an attachment. We will use your ID number to confirm that your documents remain secure.
  • You could always send us your document via e-mail to [email protected] – remember to use your ID number as a subject reference so that we can easily trace your application.
  • You can fax your documents to 021 680 8257
  • If you don’t have access to a scanner or an upload service, you can simply take a photograph of your documents using your cell phone camera and then send us via WhatsApp to 063 482 7799 making it even more convenient for you to apply for a loan.

So contact us today for your free no obligation loan application.

man holding thumbs up

FinChoice is a trusted & reliable provider of personal loans

In our review, FinChoice adheres to the compliance criteria in accordance with NCA regulations, where the granting the loan will not cause financial distress to the consumer.

FinChoice is a registered credit provider in South Africa: NCRCP 434

Customer Reviews & Testimonials

February 2019

I am a happy customer due to the great service I have been receiving at Fin Choice. The loans are really affordable.

Sithabile B
— Port Shepstone —

May 2019

Applying for a Fin Choice loan was an easy and convenient loan application system.

Brain A
— Kokstad —

April 2019

If you are looking for a loan you can afford, Fin Choice is your best shot at getting a good deal.

Emily H
— Gauteng —

October 2018

I don’t know where else I would have turned to if it weren’t of the credit assistance I received at Finchoice.

Matthews F
— Northern Cape —

April 2019

The consultants at FinChoice went out of their way to ensure that I get a loan I can afford to pay on a monthly basis.

Nythel V
— Klerksdorp —

FinChoice Contact Details

Contact Number


  • not available


Physical Address

Postal Address

  • Private Bag X50, Claremont, Cape Town, 7735, South Africa

Opening Hours

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