Rating based on 41 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 December 8, 2022]

About FinChoice

As a leading South African credit provider, FinChoice takes the responsibility they have towards their customers very seriously.

This is probably one of the reasons why their services are not only utilised by people in Cape Town but throughout South Africa.

FinChoice – the credit provider of choice

It's important to work with people you can trust, especially when it comes to taking out credit such as online loans.

This is why FinChoice have taken the initiative to hire the best personnel in the financial industry. These men and women will be there to help you along your credit journey.

Industry-leading efficiency

We'll all need to make use of loans at one point or another. Lenders such as FinChoice create an environment that will make you feel at ease. Their approach gives you the confidence to seek out financial assistance from them.

They offer efficient lending services that you can rely on throughout the year with top-notch customer service.

FinChoice Services

The last thing you want when applying for a loan is to be told you have to wait for days or maybe even weeks before you get the money you need. 

With FinChoice, your instant loan application will be finalised within two business days.

You have the final say

With FinChoice you get to choose your own repayment period for your personal loans.

After all, you're the one who knows the ins and outs of your personal budget and how much you'll be able to afford to repay.

Low rate loans up to R40,000

FinChoice's personal loans are available for everybody who meets their criteria. The maximum amount you can get is R40,000.

However, it's important to ensure that you only apply for exactly the amount you need so that you don’t find yourself paying for a loan you didn’t really need at the time.

Affordable interest rates

One of the reasons their loan application is so convenient is that customers can apply at any given time of the day in just minutes. Furthermore, their interest rates are affordable enough for all incomes.

Since you really can’t do much about an emergency that may require you to get a loan right away, you can at least choose a low-interest rate personal loan in South Africa.

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

  • Easy online application
  • Bad credit loans available
  • Affordable installments
  • 24/7 access

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.

FinChoice strives to provide you with quick & easy loans

FinChoice has designed its system in such a manner that you can immediately see whether you qualify for one of its quick loans.

All you need to do is make sure you meet their criteria and can afford the repayments before making a formal online loan application.

FinChoice is an authorised credit provider that strives to offer you the very best deals. After all, they want to ensure that youlre not given more than you can afford, but rather, just enough. They'll meet your lending requirements, no matter how big or small they may be!

10 minutes is all it takes

FinChoice's loans are fast and easy to get. Depending on how quickly you submit your documents, the money could be made available in your bank account within a few hours.

Once you've completed your online loan application, they'll check your credit request and get back to you as soon as possible.

Furthermore, you may be required to submit a few documents for verification and assessment processes. Once everything is cleared, your loan will be paid out after you sign the official loan agreement. 

Access large loan sums with FinChoice

The perks of having a short-term loan include being able to access a larger loan sum that you can pay off within a short period of time. There's no reason for you to visit their offices; everything is available online and over the phone for your convenience.

Speed, convenience, and affordability are always on top of their list of priorities and when you apply for a quick loan with FinChoice, you'll get more than what you expect.

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: NCRCP 8162

Customer Reviews & Testimonials

November 2018

The loans at Fin Choice are highly flexible so they can be adjusted to suit the needs of the individual borrower. I am very satisfied with the level of assistance that I have received from them a...

Brent S
— Port Elizabeth —

January 2019

I found myself in a difficult month and was not sure if I would make it through. But thanks to Fin Choice I was able to get the money I needed to see me through. Thanks for the help Fin Choice!

Dustin B
— Uitenhage —

FinChoice Contact

Contact Number


  • not available


Physical Address

Postal Address

  • Private Bag X50, Claremont, 7735, South Africa

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday 08:00 – 17:00
  • Sunday 09:00 – 14:00