Rating based on 18 reviews



  • 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 March 8, 2020]

About FinChoice

Struggling to keep your head above water? Let us help you not to make the same mistakes again and fill in our forms our platform is your playground for financial stability.

The Kwik Advance

It’s free to activate and you only pay for what you use. Kwik Advance job is to make sure you get a payday loan immediately when you need it. This option will let you do a repayment on the next payday so that you can enjoy your month to the fullest. You can also apply for our Flexi loan that you can pay back after 6 months. When you have done your repayment you can apply again and even this time for more than what was available the first time.

What FinChoice can offer you

By the rate that technology is growing we assume that you already have an email account if not, you need to open one.

It’s easy and free

Register for Kwik Serves by having your ID number and Cell phone nearby. You submit the secret code and just follow the instructions. Our online services provide you with all the information you need if it’s just to explain what certain terms mean or to show you how to apply for a quick loan. We strive to be as useful to all our clients in all categories.

FinChoice Short-term loans

  • Loan Type Short-term loans
  • Interest Rate from 24%
  • Loan Amount up to R40,000
  • Repayment 6 months to 24 months

Benefits of FinChoice

  • Bad credit loans available
  • Affordable loan repayment options
  • Easy online application

Short-term loans 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 Online loan calculator is subject to our terms of use.

Finchoice is South Africas favourite short-term loan lender

Here at Finchoice, we offer you a self-service where you can access your profile any time all day. You just need your user name and password which also makes this one of our safest platforms yet.

The self-service platform

Because we are on a self-serve platform you can get access to your account within seconds. Our online program can be of big help when it comes to contacting us but if for any reason it’s not of any you can contact us via our telephone number or send us an email. Be sure to contact us during our office hours, we have basic office hours to assist you when you need us.

We support responsible lending

At Finchpice we support responsible lending. When you apply for a loan we will conduct an affordability assessment. We would like to help you get a loan that you can afford. We have served many clients and helped them get a loan quickly but at an affordable rate. With us you can apply for a loan if you have a bad credit history, we will just make sure you can afford the payments.

Turn your debt around

A debt consolidation loan is an excellent choice when you feel like you have too much debt and can no longer afford the monthly repayments. We will negotiate better terms from your creditors. You will receive one affordable monthly repayment. After your debt has been paid off you will be removed from the blacklist.

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FinChoice is a trusted & reliable provider of short-term loans

In our review, FinChoice adheres to the compliance criteria in accordance with NCA regulations, 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 —

FinChoice Contact Details

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