Finchoice Loans

finchoice south africa

An innovative service, helping people access money using cell phones

Interest Rate (p.a.)

Our interest rates are regulated by the National Credit Act (NCA). Please refer to the terms and conditions of your loan agreement for more details.

Loan Tenure

Сalculated individually

Approval Duration

10 minutes - 24 hours

Min. monthly income

No requirements defined. You need to have an active bank account that is registered in your name. We will not be able to make any payments to a 3rd party bank account.

About Finchoice


Finchoice loans is a trusted digital financial services provider based in Cape Town offering short term to long term loans to South African consumers.  The company has been operating in South Africa for a few years now and understands the lending environment in South Africa.

In order to qualify for a loan from Finchoice loans, one must meet the following criteria:

  • Be 18 years and older
  • Have an operating South African bank account
  • Have regular income

Why Choose Finchoice?

Finchoice loans is a trusted South African brand.  The loan terms and conditions are transparent.  Finchoice loans is registered with the National Credit Regulator so all transactions done with Finchoice loans are governed by the credit rules of South Africa.

Finchoice offers a variety of borrowing solutions so when you decide to use Finchoice loans you do not need to shop around on different loan provider websites, but you can just get the best loan solution that suits you from the different products on the Finchoice loans website.

finchoice loans south africa

What types of loans does Finchoice loans offer?

Finchoice offers a wide range of loans to suite the different requirements of clients facing different circumstances. 

There is the Kwikadvance facility which allows a customer to borrow up to R 3,500 which is repayable at the customer’s next pay day.

The flexi loan allows first time borrowers to borrow R 8,000 which can be repaid over 6 months.  For returning customers, this loan amount can go up to as much as R 40,000 with a repayment period of between 12 and 36 months.  Finchoice loans values its customers, so once you are a Finchoice customer and you manage to repay previous loans advanced to you, your loan amount will be increased for future loans that you may require.


Finchoice loans also offers the Finchoice Mobimoney facility which allows you to access cash that you have been approved for up to an amount of R 10,000.00.  You can use the amount to buy airtime, electricity or data.  You have an option to repay amounts outstanding over 1, 2 or 3 months.  This facility like all the other facilities of Finchoice can be applied for online and accessed online.

How to apply?

Applying for a Finchoice loan is easy and fast.  You just need to go onto the Finchoice website:

Click on products and click on the product you would like to apply for.  Click on the “Apply” button.  Register with Finchoice loans and fill in all your required details and upload the required documents.  Once you have entered everything and uploaded all required documents, Finchoice will evaluate your application and give you feedback within a few hours.

How Finchoice helps you

Finchoice loans allows you to access emergency funds in times of crisis or when you just need that extra amount of cash for an unplanned need.

Finchoice’s loan application process is simple and the process to access your loan is fast.  Finchoice has dealt with hundreds of thousands of loans in South Africa so they have the experience to back up their claims.

The application process is simple and straight forward.  Finchoice loans operates from a secure platform which makes sure that all your information is kept secure and is not compromised in any way.

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