Rating based on 25 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 April 30, 2018]

About FinChoice

We're one of South Africa's most loved alternative credit providers that offer some of the lowest rates and quickest turnaround times amongst our competitors.

When you choose FinChoice you're not just choosing a personal loan - you're choosing a lender that will be there for you for years to come.

We offer easy access to credit

At FinChoice we have easy access to credit for people who can afford it and who have a good credit rating. We strive to be the best at what we do and to meet the needs of our customers precisely.

Our long and short-term loan solutions are tailored to ensure simplicity and affordability for all.

FinChoice Services

With FinChoice you can get a personal loan of up to R26,000  and repay it in either 12 or 24 months depending on your budget, loan amount, and individual needs.

We also offer a 6-month flexi loan for those looking for a smaller short-term loan and a payday loan for those who need a temporary advance.

Our services are about speed and convenience

As a smaller lender, we don’t offer the same rates that the big banks do but, we offer you the loan you need in a fraction of the time. This means that you no longer have to wait around for someone to contact you - all you do is apply for a loan online and wait for the cash.

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

  • Bad credit loans available
  • Loans up to R40,000
  • Affordable repayment terms

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.

Apply from the comfort of your home – take the convenient approach.

FinChoice is an online lender - which means you can apply for a loan online in just minutes! No paperwork, no meeting, and no stress - just quick credit when you need it.

Our 12 and 24-month personal loans are unsecured and offer you a credit of up to R26,000.

Qualify for a loan with FinChoice

If you are over the age of 18, are employed full time, have good credit, and are a South African citizen or permanent resident then you can apply for a long or short-term loan with FinChoice. You will have to send us a copy of your ID, 3 months' bank statements, and proof of address upon application.  

Cash in a flash with MobiMoney

Being an online lender has its perks as we top the areas in customer convenience and efficiency. One of our latest innovations is our mobile app that can be downloaded via the Google Play Store as well as the App Store for either your Apple or Android device. This means that you are able to gain instant access to up to R10,000 with the assistance of the MobiMoney app.

Simply download the app onto your Smartphone or Tablet and apply with a few swipes of your finger. Getting the finance you need has never been simpler or more satisfying than with FinChoice.

A loan to suit your personality

You are a unique individual with your own needs and preferences. You should not be told how to do your banking or how to organize your finances which is why we do not intend to do so. We are different from other lenders in that we allow our customers to assume control of their loans.

From deciding on the loan amount, the loan term, and repayment schedule and frequency we will give you the full rein that you deserve. Do not allow anyone to stand in the way between you and the best financial future that you deserve. The time for action is today.

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: NCRCP434

Customer Reviews & Testimonials

March 2019

Applying for a loan is now a breeze with the assistance of the MobiMoney app! I sat down to have a cup of coffee while on my lunch break and I can now start planning for the renovations I have be...

Sfiso N
— Umlazi —

January 2019

With the help of FinChoice I was able to regain control of my financial situation and make it my own once again. I will never look for another lender as everything I could have wanted is right he...

Abigail K
— Ladysmith —

May 2019

Effective, efficient, professional and convenient; overall I was completely impressed with the financial assistance that I received from FinChoice! You are now my first choice – always.

Brendan J
— Newcastle —

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