Finchoice Loans South Africa 2025
Get quick approval personal loans, debt consolidation, and emergency cash from Finchoice. Competitive rates from 20% with flexible terms up to 72 months.
Quick Facts
Loan Calculator
Loan Summary
Note: This is an estimate. Actual rates and terms may vary based on your credit profile and affordability assessment.
Finchoice Loan Products
Personal Loan
Loan Amount
R1,000 - R200,000
Interest Rate
20% - 28%
Loan Term
6 - 60 months
Best For
Personal expenses, home improvements, education, medical bills
Key Features
- Unsecured personal loans
- Quick approval process
- Flexible repayment terms
- Online application
- Same-day approval available
Eligibility Requirements
- South African citizen or permanent resident
- 21-65 years old
- Regular monthly income of R3,000+
- Valid bank account
- Clear credit record
Ready to Apply?
Get quick approval for your personal loan with competitive rates and flexible terms.
Application Process
Online Application
Complete the secure online application form with personal and financial details
Document Upload
Submit required documents through the secure upload portal
Credit Assessment
Finchoice reviews your application and conducts credit and affordability checks
Loan Approval
Receive loan decision via SMS and email notification
Funds Transfer
Loan amount transferred directly to your bank account
Why Choose Finchoice?
Same-Day Approval
Get approved on the same day with our fast-track application process and instant decision technology.
Competitive Rates
Enjoy competitive interest rates starting from 20% with flexible repayment terms up to 72 months.
Secure Process
Your personal and financial information is protected with advanced security measures and encryption.
Frequently Asked Questions
What is the maximum loan amount from Finchoice?
Finchoice offers loans up to R250,000 for debt consolidation, R200,000 for personal loans, R15,000 for emergency cash, and R8,000 for salary advances. The actual amount depends on your affordability assessment.
How quickly can I get approved?
Finchoice offers same-day approval for most applications. Emergency cash loans can be approved within hours, while larger loans may take up to 24 hours for complete processing.
What documents do I need?
You'll need a valid South African ID, proof of income (latest payslips), 3 months bank statements, and proof of residence. Additional documents may be required based on the loan type.
Can I apply with bad credit?
Finchoice considers applications from people with impaired credit records. Each application is assessed individually, focusing on current affordability and employment stability.
Are there any fees?
Finchoice is transparent about all fees. Interest rates and any applicable fees are clearly disclosed upfront. There are no hidden charges.
Important Information
Responsible Lending
- • Only borrow what you can afford to repay
- • Consider all costs including interest and fees
- • Understand the consequences of missed payments
- • Seek financial advice if you're struggling
Contact Information
- • Website: finchoice.co.za
- • Phone: 0860 346 2464
- • Email: info@finchoice.co.za
- • NCR Registration: NCRCP5621
Disclaimer: This information is for educational purposes only. Interest rates and terms may vary based on individual circumstances. Always read the full terms and conditions before applying.