Rating based on 44 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 December 8, 2022]

About FinChoice

It has become second nature for FinChoice to deliver on its promises.

While they focus on clients that have a good credit score, this doesn’t mean they automatically disqualify the customers that don’t.

You have the option to settle your credit plans within a minimum of 6 months or a maximum of 24 months.

Get a FinChoice short-term loan

This short-term cash loan with its flexible repayment terms is available to qualifying customers who need a little financial boost, especially during difficult times.

This means also you'll be able to budget for it so that it doesn’t give you too much trouble when you have to settle it.

The fact that you can pay it off in 6 months means you should get some debt relief - giving you more time to focus on other debts.

If you're interested in the credit offers provided by FinChoice, you can call them and they'll give you more information on their short-term package.

FinChoice Services

At FinChoice, you get the option of choosing short-term loans or a loan with a slightly longer term.

A variety of credit plans

FinChoice offers their KwikAdvance loan option which is a short-term loan designed for quick and easy delivery when it's needed the most.

The maximum amount you can borrow is R2000 and this money can be made available in your bank account in one business day.

Settle your loan on your next payday

The criterion that needs to be met for this kind of lending is being a customer of FinChoice. Furthermore, you have to be a South African citizen who has a bank account and is employed and earning a stable income.

Six months is all it takes

There are customers who don’t need a long-term loan. FinChoice's short-term loans are perfect for clients who want a loan they can pay off within a short space of time. Apply now and get the greatest credit deal on the market!

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

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

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.

Your short term cash loan is only a few clicks away

There are certain documents that FinChoice will request from you before they can approve your loan application.

It's also good to know that you'll be able to make use of the money in two business days.

Client satisfaction is vital

Without customers, a lender can't operate for very long. It's for this purpose that FinChoice goes out of their way to make customers happy by providing quick service during trying times.

Choosing a credit package to suit your needs

It's vital to manage your loan carefully to avoid missing payments or defaulting. Applying for short-term finance is convenient and fast.

The application doesn’t take more than 10 minutes to be completed and one of FinChoice's consultants will contact you within minutes. If you would like an additional credit plan, you can take it on the provision that you have settled your first loan.

A free of charge FinChoice Protection Plan

Should you no longer be able to earn an income due to an accident that occurred at work or somewhere else, FinChoice's Protection Plan will help you get ahead. All they require from you is for you to be above the age of 18 years, be a South African citizen or permanent resident and have a stable income.

24 hours is the maximum turnaround time

Within a day after completing and being approved for your loan application, the money will be made available to you. It's essential that you only apply for the amount of money you need and nothing more.

If you don’t have any financial discipline and apply for the money you don’t need, it'll prove to be even harder to pay for it. However, the exact loan amount will prove to make things slightly easier. Don’t bring more credit to your table when you already have a lot to deal with.

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: NCRCP 434

Customer Reviews & Testimonials

May 2019

As someone who doesn’t usually apply for loans, when I applied for a short-term loan through FinChoice, it was very nice that they were willing to help every step of the way till I got the money....

Gabriel O
— Vanderbijlpark —

May 2019

FinChoice’s products are very flexible. The short-term loan I got was exactly the loan I needed- it catered to my situation and what was most comfortable for me.

Daania M
— Stellenbosch —

June 2019

Really happy with how quickly I got my short-term loan. I got the cash in a matter of hours.

Thuli Z
— Benoni —

FinChoice Contact

Contact Number


  • not available


Physical Address

Postal Address

  • Private Bag X50, Claremont, Cape Town, 7735, South Africa

Opening Hours

  • Monday 08:30 – 19:45
  • Tuesday 08:30 – 19:45
  • Wednesday 08:30 – 19:45
  • Thursday 08:30 – 19:45
  • Friday 08:30 – 19:45
  • Saturday 08:30 – 17:00
  • Sunday 09:00 – 14:00