FinChoice

https://best-loans.co.za/FinChoice
Easy to apply
5.0/5
Approval time
4.0/5
No hidden condition
5.0/5
Renewal rules
4.0/5
Service quality
5.0/5
Customer support
5.0/5
Borrower requirements
  • You must be 18+
  • Reside in the SA and have a valid ID
  • Provide proof of your income
  • Have an active checking account
Optional
  • Bank account
  • Credit or Debit card
Contact information
Phone number: 0861 346 246
Shedule 24/7 access
Mon
Tue
Wed
Thu
Fri

Getting a loan in Finchoice in South Africa is a great way to secure a large amount of money quickly. FinChoice Africa is a registered credit provider that is authorised to offer financial services. They also offer Premier loans and Flexi loans, as well as repayment options and cancellation options.

Loan parameters
  • Loan amount
    R500 - R40,000
  • Interest
    5%
  • Term
    1 - 24 months
  • Age
    18+ years

Using the Finchoice loan service, you can borrow up to R8,000 to buy groceries, clothing or pay school fees. You can also use it to start a business. Finchoice offers flexible repayment plans, making it easier to repay your loan.

The Finchoice loan application is quick and easy. To apply for the payday loans, you need to be a South African citizen, over the age of 18 and have a bank account. You must also agree to their terms and conditions. The loan can be repaid within 24 or 36 months. The interest rate is competitive and you can take advantage of early repayments. Finchoice waives the interest rate if you repay your loan before the due date.

Before applying for a loan, you must ensure that you can afford the repayment. Finchoice assesses your income, credit history and capacity to repay. In the event of your incapacity, the Personal Protection Plan covers the loan payments.

During the application process, you will be asked to provide your bank account details, cellphone number, start contact number, your identification number, and your monthly income. Once you have submitted these details, you will receive an SMS confirmation. The loan application will be approved. Then, you will be transferred the money to your bank account.

Finchoice also offers an application for a loan through their mobile application. This will allow you to pay back the money you have received at the end of the month.

Finchoice also offers a loan that can be paid back within 14 days. If you decide to repay the loan before the due date, you do not have to pay any fees. You can also ask Finchoice to create a new payment plan if you need to. Finchoice is a trustworthy financial institution and they will work with you to ensure you get the loan you need.

The Finchoice loan service is one of the most popular loans for dental work in South Africa. The company’s goal is to provide the best financial service to their customers. Their website is easy to use and navigate, making it simple to find the loan that suits your needs.

Finchoice loan

FinChoice loan types

Whether you need a loan for an emergency, medical procedure or a second loan, Finchoice can help. They offer fast and flexible loans that will fit your needs. They have three different loan products: Finchoice Loan, Flexi Loan and Premier Loan.

Finchoice loans can be applied for online. Customers can create a user account and upload supporting documents to the site. The site will then check your credit history and income. They will also check if you have a permanent job. If they find that you are able to repay the loan, you will be approved in just 24 hours. Finchoice also offers a funeral cover policy that will cover up to R50 000.

Finchoice Loans are easy to apply for. You can apply online for a loan of up to R8,000. You can then pay back the loan over six months. The interest rate will be lower if you pay back the loan sooner. You can also ask for a larger loan if you meet the requirements.

Premier Loan is a longer term loan. It is a personalised loan and offers repayment terms of 12-24-36 months. You will also receive a personal protection plan. This will protect you if you are unable to make payments. You will also have the option of rescheduling payments if you can’t make them.

Finchoice Loans offer flexible repayment options, including taking less than 8000 rand to pay on the following month. They also offer a competitive interest rate. The repayment period is set based on your affordability.

Finchoice customers can also ask for a larger loan if they meet the requirements. The company will then check your income, credit history and ability to make the repayments. They will also charge late fees if you are late in paying. They will also recover any arrears from your bank account.

Finchoice is part of the HomeChoice group. This company has been in business for over 5 years. They are authorised financial services and registered credit providers. They are also known as the premier loan provider in South Africa.

Finchoice’s mission is to be people’s favorite loan provider. They also want to be as transparent as possible. You can upload supporting documents to the site and use the Self Service facility to manage your account. The company will also monitor your bank account funds.

Repayment options

Depending on the type of loan you choose, repayment options in Finchoice South Africa can vary. Some loans offer a fixed interest rate, while others offer a variable interest rate.

Depending on your situation, Finchoice loans can help you get the extra money you need. They also offer flexible repayment plans so that you can repay the money you borrow in a timely manner. They also offer a Personal Protection Plan, which protects you from the risk of retrenchment or disability.

The loans offered by Finchoice are affordable, fast, and convenient. Their support team is available to answer any questions you may have. They are also very knowledgeable about the product and the options available. They will also help you determine if you are eligible for a loan.

FinChoice has been around for a long time, helping South Africans fill in financial gaps. They are a trusted lending site with a loyal customer base. They offer a wide range of financial products, including loans, short-term loans, personal loans, and even credit cards.

FinChoice’s website is easy to navigate and contains a helpful FAQ. They also offer a mobile application, so you can access your loan and payments while you are on the go. They also offer loans to customers who have never taken out a loan with them before. They are registered with the National Credit Regulator.

FinChoice loans are designed to give borrowers access to emergency funds. They offer a variety of borrowing solutions, including quick loans of R2 500, loans up to R8 000, and loans that can be repaid in as little as six months.

To apply for FinChoice loans, you will need to be a South African citizen, over 18, have a bank account, and be employed. You must also provide your ID number. The money will be transferred to your bank account within 24 hours of the application being approved. You can then repay the loan on your next payday. You can also opt for a Personal Protection Plan, which will cover the repayment of your loan in case of disability or death.

Cancellation and extension the FinChoice loan

Using Finchoice in South Africa is one of the most convenient ways to get a loan. You do not need to go to a bank, and you can make your loan payment in just a few minutes.

The company will calculate your monthly payment, based on your affordability and your loan amount. The interest rate will also be calculated. For example, if your loan amount is R30 000, and the interest rate is 21%, your monthly payment will be 5,304 rand. You can also request for a larger loan, which depends on your affordability.

You can get Finchoice loans for any purpose. They can be used for school fees, medical expenses, or simply to help out with a financial situation. You will need to provide a permanent South African identity document, and proof of income. The company will also need to check your credit history. You can also call them to talk about your loan. A consultant will help you through the process.

You can also take out a FinChoice personal loan. You can ask for up to R8000, which can be used for a wide variety of things. You can also ask for a second loan if you have paid off your first loan.

If you need to cancel a FinChoice loan, you should do so within 14 days. You will not incur any cancellation fees if you notify the company in time. However, you may incur cancellation fees if you cancel after 14 days.

You can also ask for a loan extension from FinChoice. You can extend the duration of your loan to six months, or up to 24 months. If you choose to extend your loan, the company will calculate your new payment. You can then call the company to set up a new payment plan.

FinChoice also offers a personal protection plan. This will help you to recover your loan in case you lose your job or become disabled. It also covers your repayments in case of death.

Your comment

SM
Sarah Mahlangu
11 February 2024
Great option for when you're in a pinch, just be mindful of the repayment schedule.
A
Anna
25 January 2024
I turned to FinChoice because of the convenience of the online application, thanks to which it saves a lot of time. Moreover, they issue a repeat loan faster, since there is already a credit history in the database
JD
John Dlamini
04 January 2024
Fast, efficient, and very helpful customer service. Would use again.
BO
Brandon Olivier
01 November 2023
The loan service is an excellent solution for those who are looking for a quick way to get money. I recommend!
BE
Brandon Evans
03 October 2023
Thank you for your prompt approval of my finchoice loan application online application. This service is truly trustworthy.
JB
Jenny Brown
13 June 2023
I had an unexpected car repair and needed money urgently. I received the loan amount within a few hours, enabling me to get my car back on the road without any delays. Thank you, Finchoice!
UH
Ursula Hlongwane
03 April 2023
Finchoice is the best online loan provider out there. They provided me with a hassle-free experience, and their customer service was excellent.
L
Lindiwe
15 March 2023
I was impressed with the professionalism and efficiency of Finchoice loans. Their interest rates are competitive and the repayment terms are fair. I would definitely use them again in the future.
MR
Mwezo resident
01 February 2023
The service is excellent, I chose Finchoice, it was issued without problems
RN
Ruth Nasser
09 December 2022
A large amount of money was needed very urgently, but there was nowhere to take it from. A friend recommended me to this company. There are very favorable conditions. Most importantly, there are no collectors. Nobody calls you. Everything can be done online. Money is transferred directly to the card, which is very convenient. The loan is issued on favorable terms. I borrowed 50,000 rand. They helped me out a lot. Minimum documents needed. The design process is elementary. I give it a well-deserved five stars.
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Testimonials

Claudia da Silva
The site and online service are convenient, save time, and you can register at any time, they work 24/7. I have a bad credit history and I honestly indicated everything in the questionnaire. Received the money the next day.
Natalie du Toit
Loans are issued quickly if pressed and loans are not given at the bank. Simple and clear site. Convenient withdrawal of funds possibility of early repayment of the loan
Nicole Mtsweni
I had to apply for a loan for the first time, they approved R50000, well, in principle, I needed that much. Applying for a loan online is simple, the site has all the information, step-by-step registration, quick response.
Siphiwe Visser
An excellent company, I took from them many times, returned it on time, everything is transparent, as convenient as possible and no deception. Well done!
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