FinChoice is a Registered Financial Service Provider / NCRCP434

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About FinChoice

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 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.

In a Nutshell

  •  Loan minimum R 100.00
  •  Loan maximum R 2,000.00
  •  Loan term minimum 4 days
  •  Loan term maximum 30 days
  •  Average processing time 1 hour
  •  Online application
  •  Unsecured loan option
  •  Bad credit consideration

Apply for a One Month Loan with FinChoice

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.

Eligibility & Requirements

  •  Employed full-time
  •  Credit check
  •  Recent pay slips
  •  Bank statements

Other Products & Services

  • Short Term Finance
  • Long Term Finance

Contact Details

  •  0861 346 246
  •  021 680 8260
 Visit Website


 Physical Address

  • 78 Main Road, Cape Town, Wynberg, 7800, South¬†Africa

 Postal Address

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

Opening Hours

  •  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