Rating based on 18 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 19, 2023]

About FinChoice

If you are looking for a short-term loan online, it could be for that long overdue paint job you have wanted to complete or to pay for your child's school trip that's just around the corner. Whatever the situation, FinChoice is there to offer the helping hand you need.

There's never been a better time than now to become a part of the FinChoice family. They've been helping people fill the gap financially for a long time. Being a trusted brand in South Africa, there's no need to doubt the FinChoice name.

With FinChoice you can rest assured that your best financial interests are at the heart of everything they do.

Why you should choose FinChoice

There are many reasons why people would need to acquire a short-term loan but only a few key reasons why they would choose a certain lender.

Some of these include being a trusted name. People tend to choose a lender by word of mouth, and referrals from friends and family who have made use of a lender in the past. Sharing the experience of service is always a good reason why people make use of a certain company.

FinChoice has become a well-known name among South Africans with its sister company and has won the trust of many South Africans for great service and always going the extra mile.

What FinChoice can offer you

Apart from excellent service, FinChoice has some great products to offer. They're not only in the business of short-term loans but funeral cover, larger personal loans as well as access 24/7 to airtime, data, and electricity.

There's no reason why you should hesitate to make FinChoice your go-to finance company. It's much more convenient to make use of one supplier for all your needs. This makes life significantly easier.

FinChoice Services

Giving people choices is what FinChoice does best.

They've made the rules simple and the options flexible. The customer has always been the heartbeat of what FinChoice does and they've made it their mission to make it show.

There are two loan options to choose from. One is a credit facility of up to R10 000 and the other is a loan of up to R40 000. The repayment terms are flexible and can be tailored to suit your needs.

The short-term loan from FinChoice

With a loan from FinChoice, you get access to up to R40 000. So, you can do all the things you've wanted and have up to 36 months to repay your loan amount. Once you've repaid your loan you may qualify for another loan.

A standard to all the loans offered by FinChoice, as well as the funeral cover they offer, there's a FinChoice Personal Protection Plan. This plan assures you that in the event of you losing your job or even death, your loan will be taken care of.

The funeral cover plan from FinChoice

This funeral cover is indeed a great choice when it comes to funeral cover. With this cover, you can add up to 19 family members on one policy. You get up to R100 000 cover for as little as R49 per month.

In the event of you, the main member of the policy, passing away, FinChoice will pay all the premiums paid by you, back to your family in a lump sum once they claim. What's even better, your premium will remain the same for the first 12 months.

In the case of you moving your funeral cover from one insurer to FinChoice, there'll be no waiting period. There's also no waiting period for accidental deaths.

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 available
  • Affordable loan repayment options
  • Easy online application

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 is South Africas favourite short-term loan lender

Applying for a loan from FinChoice has never been easier. They have made sure that everyone can get a chance at a better life by simplifying the process as much as possible.

On the FinChoice website, you can log into your account, if you have registered, or you can register with them as a new customer. The registration is quick and easy.

The documents you may need can include the following: 

  • A clear photo or a PDF copy of your South African ID document.
  • You will need to have your proof of income on hand.
  • A clear bank statement to show your income as well as your expenses.

The loan application process

On the website, navigate to the loan option and click on the apply now button. You will be directed to the page where you either log in for existing customers or register for new customers. 

On the next page you will click on the get quote button under loans. You are then asked to complete an easy form with some basic information. These will include your ID number, cell phone number, employment status, your employer name, and your net monthly income.

Once you click on next, you will be giving FinChoice permission to complete a credit check.

You will be presented with a quote. If you choose to accept the quote, you will be asked to upload your documents. This will be reviewed and FinChoice will get back to you with an answer.

On approval of your loan, the necessary documents will be sent to you for electronic signature. You can expect your loan amount to reflect in your bank account within 24 hours of all documents being received.

The benefits of a FinChoice short-term loan 

  • You can apply for a loan online.
  • FinChoice is a trusted brand in South Africa.
  • You can have access to your loan within 24 hours.
  • They offer you a Personal Protection Plan on your loan.

Make FinChoice your go-to for a fuss-free loan

Nobody wants to be held up in long queues or with mounds of paperwork when they need a loan. Often people don't have the time to wait. FinChoice gives you the convenience of applying for your short-term loan online, safely.

There are no long waiting periods or impossible criteria to uphold. FinChoice wants to bring all South Africans the chance for change. Choose them today and let them help you get the financing you need to live better.

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: NCRCP434

Customer Reviews & Testimonials

May 2019

I use Kwik serve for the last year and a half and I am not disappointed, you just need your password and user name to enter.

Lubabalo F
— Brandfort —

November 2019

My friends told me about Finchoice and now I just can’t get enough of their services. I can make a difference in my bank within 10 minutes.

Cedrick K
— Winterstrand —

October 2021

I required a short-term loan and did not know where to turn. A friend shared her experience with FinChoice with me and I decided to give them a chance. I am glad I did. They are a great company.

Plaatjies M
— Hartenbos —

November 2021

I saw an advertisement from FinChoice on the internet and decided to apply for a short-term loan from them. The entire process was done online and it was quick and easy. I had the loan amount in ...

Ncamani B
— Richardsbay —

October 2021

I would like to take this opportunity to say thank you to FinChoice. The service is outstanding and their loan process is super-easy. I got my short-term loan in no time. I will be recommending t...

Tshabalala D
— 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 – 19:00
  • Tuesday 08:30 – 19:00
  • Wednesday 08:30 – 19:00
  • Thursday 08:30 – 19:00
  • Friday 08:30 – 19:00
  • Saturday 08:30 – 17:00
  • Sunday 09:00 – 14:00