Rating based on 1,325 reviews
With FinChoice you can get a payday cash loan by applying online through our website.
We have a dedicated team of professionals who are standing by to assist you with your every need - from choosing the optimum loan amount to filling out the application form and getting your money transferred.
Trust us to take care of your most pressing needs
As a Company that delivers short-term credit 100% online - we are able to take care of your money shortages quickly and easily. While other lenders seem to be asleep - we're wide awake processing applications and delivering on our promises.
What FinChoice can offer you
At FinChoice we offer a 12 to a 24-month personal loan, a 6-month flexible loan and our 1-month loan that provides loan sums of between R100 and R2000.
Our loans are flexible and will be paid out as quickly as possible provided that the customer provides the required supporting documents.
Quick loans at reasonable rates
If you've run short on cash before payday these payday cash loans can help you get by at a reasonable rate. You can apply for the loan online via our website and send your supporting documents by email or fax. We generally approve loans within 1 hour and credit the customer's account within 24 hours.
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In a Nutshell
- Average processing time 1 hour
- Online application
- Unsecured loan option
- Bad credit consideration
Getting a payday loan is as easy as completing a quick online loan application
When you need quick money you need a lender that can provide you with exactly what you need within a very short time frame and that's exactly what FinChoice strive to provide.
Application requirements for a payday loan
In order to apply for a payday loan with us you must be over 18, be employed full time and have a South African identity document. We will also request that you provide us with a copy of your ID, your bank statements and your pay slips. We will use these documents to conduct an affordability check before approving your loan.
How we ensure your needs are met
If you have less disposable income, we offer you a longer personal loan term with our 12 to 24-month loan and if you want to save money we will offer you a shorter loan term with our 6-month flexi loan to help you save interest. This is because we believe that we need to provide customers with the one thing they can't get anywhere else - flexible, personalized service.
If you had salary issues or previous credit hiccups don’t despair, we won’t simply reject your loan application instead we will find a way to grant your request.
Every day there are new lenders that enter the financial market and each one seems to promise better benefits and lower rates than the next one, but with so many options it can be very confusing to figure out which are legitimate lenders that are there for their clients and which are those wanting to trick them, just to make a quick buck.
We have been in the financial field for many years and have countless satisfied customers around South Africa. Our aim is to provide average South African citizens with the cash that they need when they need it.
Perks for returning customers
Once you have applied for one of our online payday loans you will be granted access to the member area. You can easily monitor your account using your unique cell phone number and passport.
If you require more money you can apply for an additional loan from our member area. You can apply for an additional loan even if you currently have an active loan. The requested loan will only be approved if you are able to afford it.
Advantages of a Finchoice payday loan
- Apply anytime 24 hours a day
- No need for a face to face consultation
- The quick easy application system
- Upload supporting documents directly to the site
- No need to complete paperwork
- The money will be paid into your account quickly
- Apply for additional loans
- Perks for returning clients
Payday loans are perfect for when you need some quick cash to pay for an unexpected expense. There are no restrictions on what they can be used for and the rates that we offer are very competitive.
Repaying your loan is just as simple with our direct debit order that runs automatically on your appointed salary date.
Eligibility & Requirements
- Employed full-time
- Credit check
- Recent pay slips
- Bank statements
Other Products & Services
- Short Term Finance
- Long Term Finance
Customer Reviews & Testimonials
Thank you very much for your excellent customer service. I was very impressed at how quickly you resolved my problem and was delighted by the amazing service I received. Your consultant followed up and made sure that my issue had been resolved and that the smile remained on my face throughout the entire process.
— Cape Town —
After being scammed by an online lender in the past, I was very hesitant to take a chance and apply again. After reading many positive reviews about Finchoice I decided to take a chance and I am so glad that I did. The application process was very easy and I received my outcome very quickly.
— Johannesburg —
If you are thinking of applying for a loan then this is the company that you have been searching for. The application process was quick and painless and the consultant I spoke to was able to answer all my questions and put my mind at ease. My money was paid into my bank account very quickly.
— Cape Town —
Wow! I am so impressed with the amazing customer service that I received. Finchoice is the best way to apply for finance. Xolisa took care of all my lending requirements and helped me complete the online loan application - he even gave me a call to make sure that I didn’t have problems setting up the direct debit to re...
— Johannesburg —
- 0861 346 246
- 021 680 8260
- 78 Main Road, Cape Town, Wynberg, 7800, South Africa
- Private Bag X50, Claremont, Cape Town, 7735, South Africa
- Monday 07:30 – 19:00
- Tuesday 07:30 – 19:00
- Wednesday 07:30 – 19:00
- Thursday 07:30 – 19:00
- Friday 07:30 – 19:00
- Saturday 08:00 – 17:00
- Sunday 09:00 – 14:00