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How Can I Apply for FinChoice Flexi Loan? Working hours, Terms and Calculator

Do you need to fix your roof? Are you in need of vacations? Whatever need that seems hard to achieve can be met with the financial aid of FinChoice. If you keep on reading this post, you will be delighted with all the features and benefits from one of the most outstanding lending programs that FinChoice has to offer: flexi loan. We will mention contact details, application process and even more, so as you can work with the company as soon as possible. What is more, we will describe other loans of the company and some extra details you can profit from.

                FinChoice has been working in the South African market bringing peace of mind to as many citizens as possible. It has a great variety of lending options since it was to be considered one of the best partners for its clients. The company is featured by integrity an innovation due to transparency and successful adaptability to the future.

                When it comes to Flexi loans, there are many points to take into account. First of all, you cannot borrow indefinite amount of money, the maximum is R8 000. Secondly, financing terms only last 6 months and this term cannot be altered. And finally, applicants can get cash advance whenever they feel like.

                In addition to Flexi loan, there are KwikAdvance loans that lend less money. In fact, they offer from R100 to R2000. This program is useful in case you need to cover any unexpected expense. They money can be returned even the following payday.

                And for those who to afford higher cost, there are personal loans. In this case, there are amounts of money of up to R26 000. Consequently, financing periods are longer: from 1 to 2 years.

Can I Apply for FinChoice Lending Programs in Person?

Yes, you can. Although there are not many offices in the country, one can be found in the city of Cape Town. The address is 78 Main Road and it is available from Monday to Sunday from 8a.m. to 5p.m. This office has its exclusive phone line that is 86 134 6246. However, it is important to highlight that there are other alternatives to get the money, and they are:

-Using your computer: you can visit FinChoice website, create an account and make use of online application. This is the quickest way to obtain money since in 10 minutes, everything will be ready. For questions or comments, you can use the tab “Contact us” and send e-mail to consultants.

-Calling by phone: you can dial up 0861 346 246 and start phone application. The line is available from Monday to Friday from 7.30 a.m. to 7 p.m., on Saturday from 8 a.m. to 5 p.m. and on Sunday from 9 a.m. to 2 p.m. There is an even an easier way sending SMS to 083 8555 700. The key word needed is LOAN.

                Now you know about what FinChoice offers and how to apply, let’s take a look at some advantages:

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-Money can be spent in home improvement or education, among other purposes.

-Application will be ready without moving from home.

-In case you apply online, the process takes just 10 minutes.

-There are amounts of money of up to R25 000 available.

-Financing terms can vary from 6 to 24 months.

-If you download FinChoice app, you can manage and control the loan with your phone.

-There is money available in case of emergency.

-Phone assistance is open 24/7.

-No extra fees are included.

-If you are on a tight budget, you can skip payments.

                Fortunately, FinChoice is not the only option when it comes to lending. Here you have some other companies that offer convenient programs:

-Wesbank: this company offers personal loans that go from R5000 to R200000. Interest rates are never higher than 30%, but they depend on the amount of money borrowed. The shortest financing period available is 2 years, and you can extend it up to 6 years. You can apply for this loan in person by visiting, for example, the branch in Polokwane located at 14 Grobler St., by phone dialing up 0861 922 677, or online by clicking “Apply for a loan” in the official webpage. In case of questions, please send e-mails to  

-African Bank: personal loans of African Bank lend money for amounts that go from R500 to R200000. This company has shorter financing periods since they can just last 3 month. However, you can choose up to periods of 72 months. Considering interest rates, they go from a minimum of  10,5% to a maximum of 28%. To apply in person, there is an office in Alberton at 50 Voortrekker Rd. If you live nearby, doors are open from Monday to Friday from 8.30a.m. to 5 p.m. and on Saturday from 9a.m. to 1 p.m. You can also start phone application calling 0860 333 004. If you need to talk to African Bank representatives, write e-mails to

-RCS: with RCS, current or prospective clients can ask for amounts of money that go from R1000 to R125 000. Financing terms start from 12 months and they can be as long as 60 months. Interest rates always flirt 28% based on the amount of money asked. If you live in Cape Town, you can visit representatives in the Liberty Grande Building to get the money. But in case you don’t want to commute, please call 0861 SAY RCS (729 727) and everything will be ready from the comfort of your home.

                All in all, short term financing is an option that can be useful to achieve certain goals, such as home improvements, basic car, vacations or even home appliances. Although you started reading about the choices offered by FinChoice, you discover many other banking companies that also have convenient alternatives, such as Wesbank, African Bank and RCS. It is up to you to make up your mind for the one that seems to be best and start enjoying life!

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Questions and answers

Hi I’ve tried contacting FinChoice’s consultants but they are busy. What are the loan options?

When it comes to get a loan at FinCoice, there are two alternatives. One option is taking a personal loan for the top amount of R8000 over 6 months. The key is to pay on time those installments to have chances of qualifying for more funds. The second option is to get a KwikAdvance of R3500 or less. This option will be cancelled on the applicant’s following pay day.

I will like to apply for flexi loan, what do I do?

If you have a FinChoice account, by accessing that account you will see your loan options. Once you find it, just go on with the application. If, on contrast, this is your first time applying at FinChoice, you have to register your account first. In that process, this company will gather your information to state your loan quote.

I’ve taken flexi loans at FinChoice, now I need again, how to get an instant loan?

As you have an active mobi account, there is something you can do to get a quick answer when you need money. You need to keep sending your documents every month, even though you don’t have an existing loan. By notifying FinChoice about your finances, you will make it possible to get the fastest answer when applying for the money.

Do I qualify to pay my other outstanding, for how long can i pay?

If your outstanding are not too high, you can get FinChoice assistance. But, remember these loans are not for higher quotes than 8000 rands per loan. So, you will surely benefit from another bank granting more money. Capitec, for instance, lends R250.000, which may suit your liabilities. Besides, you can get a consolidation loan at Absa to have a more easy process.

I need 2pay for my child fees. Is it possible with a FinChoice loan?

Yes! You have that option if this company decides your income qualifies you to get funds. I’ll remind you there are two alternatives. If you need help to get through this month’s fee, a KwikAdvance will probably be enough. If you want to pay for the entire school year, FinChoice can help you with R40000 but, taken on separated loans.

How long do I need for application?

In 10 minutes, application is ready.

Can I apply whenever I want?

Yes, you can.

Are financing options flexible?

Yes, you can change the financing term as you want.

Hi im a Finchoice customer and i want know how can i apply for finchoice flexi loan?

As a Finchoice customer it is easier to apply for the loan, since you already have an account, you can do it by phone on this number and waiting until the reps of the company guide you: 86 134 6246

I want to know how much should I payback if I borrow 5000 from FinChoice

The sum of money you will have to return will be established by the terms you get for your loan. The number of installments to pay, for example, is one of the principal factors that affect the cost of a loan. But, more importantly, the score of your credit history is key to the interest rate FinChoice will state.

How does the Flexi loan with Finchoice work?

This loan product you can get at FinChoice works in the simplest way. It’s an alternative to get your economic support fast of 10 thousands rands or less. As this is a flexible facility, you will cancel it in 3 months top. You can also choose 1 or 2 months to pay for it, as long as your credit assessment states it’s possible.

Why FinChoice asks so many documents about my salary?

Any entity you intend to take a loan with, will request you to prove your monthly salary is sufficient and stable. Remember, they will make sure they won’t lose money on your loan and, that’s the main reason why banks ask their applicants to have a stable job with a regular salary.

Can I get another loan from FinChoice?

To know if you can get more money from FinChoice you will have to get into your FinChoice account. If you see that option is available, you can try to apply. FinChoice will go over your current financial status in order to state if they will give you another loan. Naturally, the payments of your existing loan must be right on time for the bank to consider the second loan.

I want to apply for loan, what can I do?

You can research about your options at our platform to know what loans you can take advantage of. When you find the loan you want, revise the requirements and the documents to support your information. If you go for a FinChoice loan, you will need to do the application through a Mobi account.

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