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FinChoice is a Registered Financial Service Provider / NCRCP434

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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 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 credit solutions are tailored to ensure simplicity and affordability for all.

What FinChoice can offer you

With FinChoice you can get a personal loan of up to R26,000  and repay it in either 12 of 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 all 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.

Interest Rate

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Repayment Term

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In a Nutshell

  •  Average processing time 24 hours
  •  Online application
  •  Unsecured loan option
  •  Early repayment

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.

Do you 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 organise 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!

Eligibility & Requirements

  •  Employed full-time
  •  Credit check
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Personal Loans

Customer Reviews & Testimonials

Contact Details

  •  0861 346 246
  •  021 680 8260
 Visit Website


 Physical Address

  • 78 Main Rd, Cape Town, Wynberg, 7800, South Africa

 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