Rating based on 47 reviews

FinChoice Loans

  • Short-term 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 January 30, 2023]

FinChoice Loans – We'll help you choose the best option

Chances are good that your search for financing has brought you to FinChoice Loans. Well, you've come to the right place if it's a short-term loan you're looking for.

Even when you need financing fast you need to make sure that you know what you're in for before you sign any contracts. You need to make sure there are no nasty surprises.

That's why FinChoice Loans is the best choice when it comes to short-term loans.

Get the financing you need when you need it

FinChoice is in the business of approving you for financial products when you need them most. They will support you in all your endeavours.

You too can become a part of the FinChoice family if you make the smart choice and apply for a short-term loan with them. They're ready to assist you financially in every way they can.

Many South Africans have chosen to use FinChoice for their financial needs and there are many reviews you can check out from their satisfied clients.

Who are FinChoice Loans?

They offer financial solutions to every South African facing financial difficulty and aim to help ordinary people achieve their financial goals.

FinChoice is a division of HomeChoice. They share the same visions and ideals of giving their customers quality, value, and outstanding service. With their wide range of financial solutions and their well-put-together website, you can’t go wrong.

Short-term loans up to R40,000

FinChoice Loans is a financial services provider. They understand that everyone needs a little boost now and then.

Because they've realised how different people are, they have made three different loans available. According to your financial needs, you get to choose the best one for you.

Their short-term loans are 6-month loans, which lets you take care of short to medium-term expenses. For those expenses that are a bit bigger, they have a 12 and 24-month loan.

Short-term loans that let you breathe

When you run into financial difficulty it's good to know that the help you need is out there.

Taking out a short-term loan over a 12 or 24-month period gives you smaller repayments. This gives you the freedom to use your money more wisely and stretch your finances further.

With so many benefits in partnering with FinChoice Loans, it’s easy to see why they're the preferred provider for so many South Africans.

Another great service from FinChoice

Apart from offering you great deals on short-term loans, FinChoice has a few more aces up its sleeve. Each one of their products has its unique set of benefits.

They have great services on offer for those times that you need instant cash. It’s called the FinChoice MobiMoney Facility.

This service is free to activate and only lets you pay for the cash you use. It offers same-day withdrawals of up to R10 000. These instant loans are repayable over 1 to 3-months.

FinChoice – Short-term loan

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

Benefits of FinChoice

  • Bad credit loans are available
  • They payout within 24 hours
  • They offer you flexibility
  • FinChoice is a trustworthy provider

Short-term loan calculator

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

FinChoice - a modern lender with a fast application process

Applying for a short-term loan from FinChoice is easier than ever. Everything is done online for your convenience. No more standing in long queues waiting for a consultant.

Just like any other lender, there are a few documents that you'll need to complete your application.

Some documents you may need:

  • 3 months' pay slips or 3 months' bank statements to verify your income.
  • You'll need any recent account showing your current address.
  • A clear and valid copy of your South African ID document.

Now that you have these documents in order you may proceed with the application process. On the short-term loan page, you'll find a button for new and existing customers to apply.

You'll only need a few minutes to complete the application form and you'll have your quote within 2 minutes of completion.

Follow these easy steps:

  1. Click on the apply now button. You'll be directed to the application page to select the short-term loan option to begin the process.
  2. You need to answer a few easy personal questions, and once completed, you may click next.
  3. Once everything is completed and all your relevant documents have been uploaded your application is now ready for review.
  4. As soon as your application has been reviewed and approved, FinChoice Loans will pay out your short-term loan within 24 hours of approval.

Customer satisfaction is first at FinChoice

There are many lenders in the industry that offer short-term loans in South Africa. FinChoice prides itself on giving its customers only the best of the best. Being fair is a high priority and they keep their promises.

Choosing FinChoice for your short-term loan is the best choice as you will be in great hands financially.

man holding thumbs up

FinChoice is a trusted & reliable provider of short-term 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

March 2019

They advertise themselves as ‘South Africa’s favourite digital provider’ and I can fully understand why! Their loans are fast, affordable and fair which makes them my favourite lender too!

Bernice K
— Port Nolloth —

January 2019

I was able to complete an application from the comfort of my home on my Tablet. Who knew that such wonders existed? Now that I know that FinChoice offers online applications I will never look bac...

Athilitha N
— Cape Town —

April 2019

When I needed assistance to purchase my vehicle FinChoice was there to help me out. They allowed me to borrow more money to meet my deposit and repay it over a longer repayment period making it h...

Aviwe M
— Jo'burg —

May 2021

I applied for a short-term loan from FinChoice and I could not ask for a better provider. They made everything super easy and they helped me with the whole process.

Modise T
— Thabazimbi —

August 2021

I needed a short-term loan quickly and a friend told me all about FinChoice Loans. I applied and could not believe how easy the process was. My loan was paid out within 24 hours and I could not b...

Brand C
— Cape Town —

October 2021

Choosing to partner with FinChoice for my short-term loan was the best decision I could ever make. They are a great provider and it's easy to see why so many South Africans choose them.

Naude B
— Pretoria —

FinChoice Contact

Contact Number


  • not available


Physical Address

Postal Address

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

Opening Hours

  • Monday 08:30 – 19:45
  • Tuesday 08:30 – 19:45
  • Wednesday 08:30 – 19:45
  • Thursday 08:30 – 19:45
  • Friday 08:30 – 19:45
  • Saturday 08:30 – 17:00
  • Sunday 09:00 – 14:00