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 January 19, 2023]

About FinChoice

If you need cash for some work you'd like to do on your home or if your family vehicle needs a service, FinChoice can lend you the helping hand you need.

They're is a trusted South African brand that has been expanding rapidly. On offer among other things are quick loans, funeral cover, and personal loans.

Make FinChoice your first choice

FinChoice is a sister company to the ever-popular company we all know as HomeChoice. They've become a well-known and trusted brand over the years.

The company saw a gap in the market and a need for financing. Their mission was to make funding available to everyone. FinChoice was then established to make that possible.

There is a wide variety of services available at FinChoice, including pay-as-you-go airtime, data, electricity, funeral cover, and personal loans. 

FinChoice is a good choice

They have given the power back to the people by listening to their needs and offering them innovative and up-to-date services. When it comes to convenience they have hit the spot. They understand that life sometimes catches up with you and there is just no time for lengthy procedures.

When the decision to assist people financially was made, they made sure they took the hassle out of everything. You can rest assured that they have made it super easy to get the help you need.

FinChoice Services

Bringing outstanding customer service to its clients is something FinChoice does not take lightly. They have a passion and dedication that shows in everything they do.

There are three different financing options available at FinChoice. Each option can be tailor-made to suit your specific needs and is super-easy to apply. FinChoice offers a range of loans as well as funeral cover. The funeral cover is great because you can add up to 19 family members on one policy.

Competitive loans that are flexible

With FinChoice you have the option of a personal loan of up to R40 000. This loan option can be made to suit your needs. It is a great loan choice for those who need a bigger cash amount.

They have a Flexi-loan option for when you need a little less cash. This loan option will give you access to up to R8 000 with a repayment period of 6 months.

With the FinChoice cover plan, you can rest assured in the case that you may lose your job or the unforeseen happens, your loan will be covered.

Fast cash for a mid-month emergency 

Another amazing service from FinChoice is their payday loan. This loan offers many benefits and is super-easy to apply for.

The payday loan option offers you a same-day payout as well as a repayment term of up to three months. This option is available in any amount between R100 and R10 000.

The biggest bonus of this loan option is that you only pay for the amount of money you end up using. Knowing that you won't be paying for anything that you don't use is great.

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 personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

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

Getting access to these great offers from FinChoice is easy. Registration for the service is online on their website.

You will be required to enter your ID number and cell phone number in the required fields. Thereafter you can follow the onscreen prompts to get registered.

After completing your service registration, you can apply for your loan on the website.

Documents you may need:  

  • You will need a clear photo of your ID document.
  • Three months' bank statements in either pdf format or a clear photo.
  • You will need to supply proof of income.

Step one:

The first step is completing a quick form to get a no-obligation quote and to give FinChoice permission to do a credit check.

Step two:

Go to the loan option you prefer. Complete the required application form in full. You will see a tab at the top of the page where you can upload your documents. After you are done you may apply.

Step two:  

As soon as all your documents are received and your loan is approved, you will soon have the loan amount paid into your bank account. And as easy as that you can acquire a flexible loan from FinChoice. No-fuss and no-frills.

Make the smart choice and choose FinChoice

When there is a need for financial assistance, it is important that you can trust and rely on the lender you choose. With FinChoice you can rest assured that you get the best financing option at the best rate.

With super-fast payout time, there is no waiting for approval. The application process is done 100% online and will take only a few minutes to complete. Trust them with your loan requirements today and see how they can help you too.

The benefits of a FinChoice personal loan 

  • They offer affordable loan options.
  • The entire loan process is done online.
  • FinChoice offers the most affordable, tailor-made loans.
  • The company is trustworthy.
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 —

August 2021

Getting a loan from a bank was proving to be a difficult exercise. A friend told me that FinChoice offers affordable personal loans and I applied. I am so glad I chose FinChoice.

Verwey M
— Alberton —

October 2021

I needed a personal loan that I could tailor to suit my needs. A quick internet search led me to FinChoice. The application process was quick and easy and everything was done online. Thank you Fi...

Saunders D
— Germiston —

August 2021

I would just like to take this opportunity to say thank you to FinChoice. They have helped me to get a personal loan in no time. It was super-easy to apply and I did not even have to leave my hou...

Nkosa S
— George —

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