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Product Guide: FinChoice

Quick Personal Loan Overview

  • Minimum Loan Amount: R8,000
  • Maximum Loan Amount: R24,000
  • Length of the Loan: 8 Months
  • Repayment Length of the Loan: 24 Months
  • APR: ?

FinChoice Personal Loans that are perfect for your needs – No-Fuss and Flexible.

Why choose a FinChoice loan?

With FinChoice, you choose the type of loan that best suits your needs, whether you’re looking for a short-term or a longer-term financial solution.

The 12 or 24-month personal loan

If you need a longer term financial solution, with smaller instalments,

choose the 12 or 24-month personal loan.

The 6 month flexi loan

If you need a short-term financial solution and don’t want to be tied down to a lengthy loan agreement, the 6-month flexi loan is just for you!


If you need short-term finance to help you manage your monthly cash flow, don’t wait for pay day – choose a KwikAdvance loan!

  • Take control of your monthly cash flow!
  • Choose your KwikAdvance from R100 right up to R2 000!
  • The money will be in your bank account within 24 hours.
  • Pay it back on your payday!

Qualify if you:

  • You are a HomeChoice customer
  • Have an RSA ID number and live in South Africa
  • Have a South African bank account

By taking out a loan with FinChoice, you will enjoy benefits like:

  • The FinChoice Protection Plan.
  • Access Additional Cash.
  • Choose to skip Loan Instalment.
  • Kwikserve Mobile Platform for managing your Loan.
  • Loan Approval in 10 Minutes.

Manage your loan account securely, anytime, anywhere on your cell phone

As a potential FinChoice customer, you will learn to know how simple it is to take out a loan with them. Now find out how best to manage your loan in a way that suits your needs, and your life. FinChoice KwikServe™ makes it easy for you to manage your loan account and puts YOU in control of your finances. Register for their FREE FinChoice KwikServe service to:

  • View your loan account balance.
  • Take out a new loan with KwikDraw® in only 2 minutes!
  • See how much money you have available to KwikDraw
  • Skip paying an instalment with KwikSkip® when times are tough.
  • Buy airtime for your pre-paid phone without using any airtime
  • Request a 1-month KwikAdvance™

Some Background on FinChoice

FinChoice is the financial services company within the HomeChoice Group, operating from their head office in Wynberg, Cape Town.

Their background

Born out of the HomeChoice legacy of quality, value and service of the highest standard, FinChoice offers South-African HomeChoice customers of good credit standing with a bank account, a range of personalised loan options.

What FinChoice offers

FinChoice offers a range of loan products, which can be taken over 6, 12 or 24 months, depending on the financial circumstances and needs of each customer. The most popular product is their 6-month flexi loan. In every way, the loan process has been designed to ensure the greatest possible convenience for you, the customer. You can find their advertising in the HomeChoice catalogue or you can contact FinChoice on 0861 346 246.

Their mission

To be their customers’ most trusted and flexible financial partner, enabling easy access to affordable products.

Their vision: What FinChoice is about

  • Customer Delight: They put their customers first in everything they do
  • Excellence: They will continuously assess, adapt and improve – while being accountable & professional.
  • Teamwork: They will be united in purpose & action, turning their diversity, skills & experience into a source of strength.
  • Integrity: They will be transparent in their dealings – upholding moral, legal & ethical codes.
  • Innovation: Through their courage and initiative, they will identify and implement new opportunities and ideas that will successfully shape their future.


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Fincheck is a financial comparisons website that organises information to assist the borrower in making their best financial decision.

Fincheck gathers information from numerous banking partners and presents it to the borrower in a simple, understandable way. Lenders benefit from an additional market place and extensive customer reach. Loan amounts vary from lender to lender. Fees, interest rates, loan amounts and credit scores influence the repayment terms. Lenders require personal details to control their risk and assist the government to combat theft, money laundering, terrorism. Fincheck does not endorse any particular product or company. We are an independent company. The information shown and provided is an opinion, based on numbers and must not be seen as advice or consultation.