FinChoice Reviews 

Their IT department takes over 12 months to update contacts numbers, being stuck with an old number since 2024 December, each time I call am promised the matter will be resolved withing 48 hours, that has been going on since 2024, no feedback given, they do not even make call references, quick to phone when payment is not received, but reluctant to address issues. Requested a statement for about 6 months , nothing to date

Do not take a loan from Finchoice, they are fraudsters. They dont reply to emails. I applied for a loan with them on Saturday, i received an sms to say it was approved, they attached a debit order to my account and then without informing me they declined my loan after telling me it was approved.

Called them on 22nd December about a double deduction till now no refund, no on the call lines cares to assist im so fed up of being on the short end of the stick.

Missed kids birthdays 26th and 27th due to no extra funds which originally belongs to me.

This should be investigated why people are less trusting companies and it's due to this kind of service.

Never again

Finchoice applied for the loan with them followed all steps on the 23.12.2025 the were all completed but still no update.24 hours has passed still waiting for the money until today 27.12.2025 but no sign of money am even scared now cause am thinking a lot there lots of what if...............what if ,what have I done cause I know the next step that I should take but am even scared to even take that step yhoooo please help

Really quick to contact you over 10 times a day. However you guys double debited me… I owed R160. Dit a settlement payment earlier, which you didn’t log on your system. And then proceeded to debit me R500+ the next day. Even though the debt was fully settled. Now it reflects that you guys owe me R500+. Emailed 3 times today. Have I received a single call or reply back from you, no! Maybe ai should call you 10+ times a day to get it settled. Please reply to my email tomorrow or give me a call!

This finchoice thing is corruption in disguise.people are getting scammed unaware due to their fees.they can choose not to debit their money on the agreed date so that they can put interest on your balance. Last month I was told that I owe some interests on my loan so they will take it by month end and we agreed.monthend they took all their money but now I m receiving calls saying that I am still owing them.and they only tells me that they are going to debit my account. I now want finchoice to remove my information from their system so that I must not think of them ever again for the rest of my life

I am very disappointed with FinChoice. I took a loan with them, and our agreement clearly states that my repayment date is on the 25th of each month. However, FinChoice keeps attempting to debit my account before the agreed date, which causes unnecessary non-honouring fees and financial stress.
It’s unfair and unacceptable that FinChoice can debit my account whenever they please, even though we have a set date in our agreement. I expect FinChoice to refund all the non-honouring fees charged as a result of these early debit attempts and to honour the agreed debit date moving forward.

Scammers with a bunch of bogus charges. I’m trying to work through my elderly aunt’s statement as our family are trying to settle her debts. FPPP insurance fees, Admin fees etc; I’m looking into what I assume is a payment projection insurance policy that seems to be forced on customers but it’s probably not worth the paper it’s written on, just another charge to keep increasing your balance. I left a review a few days ago, I received a reply saying that they have contacted my aunt but they have not. They obviously have staff monitoring socials but their response is more or less the same to everyone (also see Hello Peter) but nothing seems to get resolved. They have been trying to collect a debit order every day after we have told them that there is no money in the account, her partner passed away and she has no fixed address anymore yet they continue to rake up her bank charges. Their customer service agents give fake names when they call you. They have been harassing my aunt and she wrote down some of the names of the people who called her. Rang them yesterday, 3 of the names (including last names) apparently don’t work there! The more reviews I see, the more sceptical I am about trying to settle this loan; FinChoice doesn’t seem to cancel debit orders after settlement and some people mentioned that a year after settlement they are still being pursued by them. We have contacted them so many times with a settlement amount but no response. If you are thinking about using this company, read up on them and run the other way!

Fraudulent Company that refuses to pay my money back
Biggest bunch of robbers!! Do not take out any loans with them as they will double debit your account and refuse to pay you back. R6000 they have taken in unauthorized debits and are not willing to help, they will see no more money from me.

Nor forthcoming and hide behind app errors

Finchoice gives great service at a reasonable rate. I just have great service from them the past year and 2 months. Thank you Finchoice!

Unfortunately I have to give a star rating I would rate this company -5 if I could place it a joke interest rate is a joke and if you want to settle your loan then settlement is more than you owe them never ever will I use this low lifes again

This company does not even deserve 1 star. From the 21st of July my issue has still not been resolved. I canceled my loan application now they are refusing to cancel the debit mandate that was setup on my account and provide me with proof. I know they will be debiting funds from my account when that date comes. They are trying to scam us like this. I will post a review on all platforms everyday to weaken their business until they resolve my issue. So disgusting.

Applied for a loan it approved, monthy debit order was verified. Almost 2 weeks later haven't received my loan money. Have been logging complains everyday still not resolved. Poor service, at this point i don't even know if the company its legit. Most Stressful loan application I've ever done, even today am still waiting noone can give me answers.

This company are a bunch of crooks.
They are running a scam, told me I qualify for a lone, never got the lone then proceed to hand me over for the sum of R650.00.
If you here the name FinCoice run the other way. They will scam you! No lone just more bebt. $*#^ sakes, how do these people sleep at night doing this to people.

I agreed for my debit to on 25th of each cause that is my pay pay. But they debited my account on Friday 22, when 26 was on Monday They took all my money that I was suppose to have my son's 8th birthday. I sadly had to cancel my boy's birthday. I had traumatic weekend, with no petrol and money for food when I tied to call them the told that they can't reverse because if 25th falls on a Monday they debit the Friday. This can't be right and this must stop. It seems I am not the only one with this complaint and there is nothing done about it. Finchoice us a bully 😤 with no business ethics. They charge high interest rate to behave like this on top of that.i am so angry 😠. I gmfeel robbed

I paid a settlement amount and two months later they are chasing me to say I owe. Bunch of crooks.....stay away!