Rating based on 26 reviews


  • Payday loans up to R10,000
  • Low-interest starting from 24%
  • Repayment up to 3 months

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FinChoice homepage
Author FinChoice. Screenshot of FinChoice website.
[Accessed April 6, 2023]

About FinChoice

With FinChoice you can get a payday cash loan by applying online through their website.

They have a dedicated team of professionals who are standing by to assist you with your every need - from choosing the optimum loan amount to filling out the application form and getting your money transferred.

Trust them to take care of your most pressing needs

As a company that delivers short-term credit 100% online - they are able to take care of your money shortages quickly and easily. While other lenders seem to be asleep - they're wide awake processing applications and delivering on their promises.

FinChoice Services

At FinChoice they offer a 12 to 24-month personal loan, a 6-month flexible loan, and our 1-month loan that provides loan sums of between R100 and R2 000.

Their loans are flexible and will be paid out as quickly as possible provided that the customer provides the required supporting documents.

Quick loans at reasonable rates

If you've run short on cash before payday these payday loans can help you get by at a reasonable rate. You can apply for a loan online via their website and send your supporting documents by email or fax. They generally approve loans within 1 hour and credit the customer's account within 24 hours.

FinChoice – Payday loan

  • Loan Type Payday loans
  • Interest Rate from 24%
  • Loan Amount up to R10,000
  • Repayment 30 days to 3 months
  • Decision 2 minutes

Benefits of FinChoice

  • Quick and easy online applications
  • Minimal paperwork
  • Rewards for returning clients
  • Apply 24/7

Payday loan calculator

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

Getting a payday loan is as easy as completing a quick online loan application

When you need quick money you need a lender that can provide you with exactly what you need within a very short time frame and that's exactly what FinChoice strives to provide.

Application requirements for a payday loan

In order to apply for a payday loan with them, you must be over 18, be employed full-time, and have a South African identity document. They will also request that you provide them with a copy of your ID, your bank statements, and your payslips. They will use these documents to conduct an affordability check before approving your loan.

How they ensure your needs are met

If you have less disposable income, they offer you a longer personal loan term with our 12 to 24-month loan and if you want to save money they will offer you a shorter loan term with their 6-month flexi loan to help you save interest. This is because they believe that they need to provide you with the one thing you can't get anywhere else - flexible, personalised service.

If you had salary issues or previous credit hiccups don’t despair, they won’t simply reject your loan application instead they will find a way to grant your request.

Every day there are new lenders that enter the financial market and each one seems to promise better benefits and lower rates than the next one, but with so many options it can be very confusing to figure out which are legitimate lenders that are there for their clients and which are those wanting to trick them, just to make a quick buck.

They have been in the financial field for many years and have countless satisfied customers around South Africa. Their aim is to provide average South African citizens with the cash that they need when they need it.

Perks for returning customers

Once you have applied for one of their online payday loans you will be granted access to the member area. You can easily monitor your account using your unique cell phone number and passport.

If you require more money you can apply for an additional loan from their member area. You can apply for an additional loan even if you currently have an active loan. The requested loan will only be approved if you are able to afford it.

Advantages of a Finchoice payday loan

  • Apply anytime 24 hours a day
  • No need for a face-to-face consultation
  • The quick easy application system
  • Upload supporting documents directly to the site
  • No need to complete the paperwork
  • The money will be paid into your account quickly
  • Apply for additional loans
  • Perks for returning clients

Payday loans are perfect for when you need some quick cash to pay for an unexpected expense. There are no restrictions on what they can be used for and the rates that they offer are very competitive.

Repaying your loan is just as simple as their direct debit order that runs automatically on your appointed salary date.

man holding thumbs up

FinChoice is a trusted & reliable provider of payday 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: NCRCP434

Customer Reviews & Testimonials

November 2018

Thank you very much for your excellent customer service. I was very impressed at how quickly you resolved my problem and was delighted by the amazing service I received. Your consultant followed ...

Sharon C
— Cape Town —

April 2019

After being scammed by an online lender in the past, I was very hesitant to take a chance and apply again. After reading many positive reviews about Finchoice I decided to take a chance and I am ...

Ben C
— Johannesburg —

December 2018

If you are thinking of applying for a loan then this is the company that you have been searching for. The application process was quick and painless and the consultant I spoke to was able to answ...

Gregor U
— Cape Town —

March 2019

Wow! I am so impressed with the amazing customer service that I received. Finchoice is the best way to apply for finance. Xolisa took care of all my lending requirements and helped me complete th...

Zahra J
— Johannesburg —

FinChoice Contact

Contact Number


  • not available


Physical Address

Postal Address

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

Opening Hours

  • Monday 07:30 – 19:00
  • Tuesday 07:30 – 19:00
  • Wednesday 07:30 – 19:00
  • Thursday 07:30 – 19:00
  • Friday 07:30 – 19:00
  • Saturday 08:00 – 17:00
  • Sunday 09:00 – 14:00