FinChoice is a South African credit provider offering personal loans and its MobiMoney facility.
Never pay an upfront fee to secure a loan. Advance-fee loan fraud is among the most common scams aimed at people already under financial pressure.
A registered credit provider must do an affordability assessment before lending. A lender that skips it is lending recklessly, and reckless credit can be set aside.
This page covers how to contact FinChoice in South Africa. The details below were taken from the official FinChoice contact page rather than from any third-party directory.
ContactDetails.co.za is an independent directory. We are not FinChoice and cannot act on your behalf. Everything on this page is a routing aid so you reach the right official channel quickly.
FinChoice contact numbers
These routes were verified against the official FinChoice contact page on 23 August 2026. Contact numbers do change, so confirm on the official page before relying on one for anything urgent.
| What it is for | Contact |
|---|---|
| Customer care | 0861 346 246 |
| National Financial Ombud | 0860 800 900 |
| National Credit Regulator | 0860 627 627 |
A registered credit provider must do an affordability assessment before lending. A lender that offers credit without one is lending recklessly, and reckless credit can be set aside. Never pay an upfront fee to secure a loan: advance-fee loan fraud is among the most common scams aimed at people already under financial pressure.
Self-service options before you call
- Check the official site at finchoice.co.za, which carries the current contact details and any online enquiry form.
- Calling outside peak times. Monday mornings and the hour after 17:00 are usually the worst for South African contact centres.
What to have ready before you call
- A clear one line summary of what you need resolved.
- Your account, order or reference number if you already have one.
- The identity document or account holder details, since most South African providers verify who you are before discussing an account.
- Dates, amounts and any error message exactly as it appeared.
- A pen and paper for the reference number. Ask for one every time, because without it a follow up call starts from nothing.
Who to contact in South African healthcare
- For a medical emergency, use 10177 for ambulance and fire, or 112 from a mobile phone. A hospital switchboard is not an emergency dispatch line and is not staffed as one. Private emergency services run their own numbers, and they will ask which medical scheme you belong to.
- Public hospitals and clinics are run by the provincial health department, not by the national Department of Health. The national department sets policy; the province runs the facility. A complaint about care goes to the facility first, then the province.
- Private hospitals belong to groups, but each hospital runs its own switchboard, admissions and accounts. For a ward, an admission or a bill, that hospital is the contact, not the group’s head office.
- Pre-authorisation is your medical scheme’s, not the hospital’s. The hospital books the bed; the scheme confirms what it will pay. Getting authorisation before a planned admission is what prevents a claim being short-paid afterwards.
- Practitioner conduct is the HPCSA’s, pharmacy registration and conduct is the SAPC’s, and the standard of care at any facility, public or private, is the Health Ombud’s within the Office of Health Standards Compliance, on 080 911 6472. Each expects the provider’s own complaints process to have been used first, and will ask for its reference number.
Have the patient’s file or hospital number, the medical scheme membership number, and the treating doctor’s practice number ready. Those three identify almost everything in South African healthcare, and an enquiry without them usually cannot be traced.
Complaints and escalation
If a first call does not resolve the matter, escalate through the provider’s own complaints process, keeping the reference number. Unresolved complaints about banking, credit or insurance go to the National Financial Ombud on 0860 800 900, free of charge. Credit agreement conduct goes to the National Credit Regulator on 0860 627 627, and advice complaints go to the FAIS Ombud on 012 762 5000.
Keep a short written log of each contact: the date, the channel you used, the name of the agent and the reference number. Most financial complaint processes ask for exactly that history, and having it ready is usually the difference between a fast resolution and starting over.
Avoiding fake FinChoice contact numbers
Contact details for well known South African brands are a common target for impersonation. Numbers that look official appear in search ads, social media replies and cloned websites, and the person answering is not FinChoice.
- Reach FinChoice through the official site at finchoice.co.za rather than through a number in a search advert or a social media reply.
- FinChoice will never ask you for your full card number, PIN, CVV, online banking password or a one time PIN. Nobody legitimate needs those to help you.
- Treat any caller who creates urgency, asks you to install remote access software, or asks you to move money to a safe account as fraudulent, and end the call.
- If you are unsure whether a call was genuine, hang up and dial the official number yourself rather than calling back a number the caller gave you.
Related contact pages
Frequently asked questions
What is the FinChoice contact number?
The routes are listed in the table above, with what each one is for. The main route is 0861 346 246. Confirm it on finchoice.co.za before relying on it, since numbers are changed from time to time.
How do I know a FinChoice number is genuine?
Check it against the official site at finchoice.co.za. A number that only appears in a search advert, a social media reply or a third-party directory should not be trusted for anything involving your account, your money or your identity document.
What should I do if nobody resolves my query?
Ask for the complaint reference and the escalation path on your first call, then follow the escalation route described above. Keep the dates, agent names and reference numbers, because every formal complaint process will ask for them.
Can ContactDetails.co.za resolve this for me?
No. We are an independent directory, not FinChoice, and we have no access to your account. Everything here is a routing aid so that you reach the correct official channel with the right information in hand.
Is there a cost to calling these numbers?
South African 0860 and 0861 numbers are charged at a share-call or standard rate depending on your provider, and 0800 numbers are toll free from a landline. Calls from a mobile are billed at your own operator’s rate, so check your plan if cost matters.
Contact routes on this page were checked against the official FinChoice source on 23 August 2026. If you find a detail that has changed, the official source is always the authority.