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]

FinChoice - Digital financial service provider

FinChoice is a digital financial service provider with offices based in Cape Town. They offer flexible online loans as well as funeral policies.

FinChoice is becoming a popular choice for consumers seeking a quick personal loan as the financial products and services are easily accessible while being completely transparent and helping you every step of the way.

Easily apply for loan products

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

Contact FinChoice

If you are having trouble logging in or just have a question, please contact FinChoice on 0861 346 246 during contact centre calling hours.

What do I need to apply?

You are required to fill in the online loan application form.

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

You will need to agree to the terms and conditions, which include consent to a credit check. Once this has been done you will be contacted regarding the outcome.

We have loan options to suit any financial needs

Finchoice offers a variety of financial products that are affordable and flexible.


The 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 to make it to your next payday.

Flexi loan

The 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 if you become permanently disabled or in the event of your death.

These types of loans are perfect for when you need cash for unbudgeted expenses such as a car or home repairs or school fees. By giving you longer repayment terms, it takes 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 the 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 set up an undemanding payment plan that will be easy to stick to and manage.


FinChoice – Personal loan

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

Benefits of FinChoice

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

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Get the best offer with FinChoice

All loans are subject to a credit check and they will only be granted if you can afford it without adversely affecting your current financial status or credit record.

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

Personal loans

Apply today and find out if you qualify for 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.

Assistance during tough times

FinChoice offers assistance if you are unable to make a payment due to unforeseen circumstances. If this is the case, please contact FinChoice to help you make arrangements when you need it most. You have to notify Finchoie or you will be charged additional fees due to late payment.

Easy-to-complete application form

  • Once you have logged on and set up your unique login, upload your supporting documentation to secure your personal loan.
  • You can either upload your documents directly to the site. You can apply and submit any supporting documents if any. Simply add the documents as an attachment. Your documents will remain secure.
  • You could always send your document via e-mail to [email protected] – remember to use your ID number as a subject reference to 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 it via WhatsApp to 063 482 7799 making it even more convenient for you to apply for a loan.

So contact FinChoice 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 the National Credit Act, 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

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