FinChoice Contact Details

The FinChoice contact number is 0861 346 246, the customer care line, open Monday to Friday from 07:30 to 18:00, on Saturdays and public holidays from 08:00 to 14:00, and closed on Sundays. Loan documents go on WhatsApp to 063 482 7799 or by email to docs@finchoice.com, your account is managed on www.finchoice.mobi, and a support ticket at support.finchoice.co.za gets a reply within 24 hours.

FinChoice contact details at a glance

What you need	Contact
Customer care	0861 346 246
Customer care hours	Mon to Fri 07:30 to 18:00; Sat and public holidays 08:00 to 14:00; Sun closed
Support ticket (reply within 24 hours)	support.finchoice.co.za
Send documents	WhatsApp 063 482 7799; email docs@finchoice.com; or upload on finchoice.mobi
Account, settlement quote, paid-up letter	www.finchoice.mobi
Paid-up letter if your account is with the legal team	legal@finchoice.com
Insurance claims	info@finchoice.com, 0861 346 246, fax 021 680 8260
Insurance complaints	insurance.complaints@finchoice.co.za
Apply for a loan or top up	www.finchoice.mobi (available 24/7)
Privacy and PAIA requests	popi@finchoice.co.za, +27 21 680 1000
Postal address	Private Bag X150, Claremont, Cape Town, 7735
Physical address	78 Main Road, Wynberg, Western Cape, 7800

FinChoice contact number and working hours

FinChoice’s Contact Us page lists one customer care number, 0861 346 246. It is answered Monday to Friday from 07:30 to 18:00, and on Saturdays and public holidays from 08:00 to 14:00; Sunday is closed. FinChoice is open on public holidays, on the same hours as Saturday. The same number appears in FinChoice’s insurance claims and complaints documents, and in its help centre article about loans ceded to a new credit provider, which says that change does not affect how you contact FinChoice. FinChoice’s PAIA manual gives +27 21 680 1000 as the telephone number for its Wynberg office.

Outside customer care hours, create a support ticket or use the Customer Zone help articles at support.finchoice.co.za, which answers within 24 hours. The help centre also carries articles on registering for mobi, applying for a loan and a reloan, MobiMoney withdrawals, Promise to Pay, skipping a payment and debt counselling, so several questions can be answered there without calling at all.

FinChoice login on the mobi site

You log in to your FinChoice account on www.finchoice.mobi using your mobile number and password; registration is free. To register, click Register for Mobi, enter your ID and cellphone numbers, create a password, enter your email address and then the one-time PIN FinChoice sends by SMS. finchoice.mobi is free to use and only needs an internet or Wi-Fi connection.

If you cannot log in, call customer care on 0861 346 246 or create a support ticket at support.finchoice.co.za. FinChoice’s help centre does not publish a separate recovery email address for login problems. FinChoice does not publish an SMS line either; SMS is only used to send the one-time PIN when you register. FinChoice’s kwikserve USSD service, *120*1048# and the paid *130*1048#, ended on 10 April 2026, and FinChoice says your products and credit record are not affected because you now access them on finchoice.mobi.

FinChoice loan application and top up

There is no paper FinChoice loan application form. You apply at www.finchoice.mobi, which is available 24/7: choose the product, amount and term, enter your income, expenses, banking, employer and next-of-kin details, accept the debit order and terms, then upload your documents in the Document Uploader. FinChoice loans go up to R25 000 over 6, 12 or 24 months, and if you are unhappy you can return the money within 14 days at no cost.

A top up is done as a Reloan on finchoice.mobi: tap the green arrow next to the product, choose the term and amount, confirm your employment and pay frequency, complete your income and expenses, then accept. FinChoice publishes no separate personal loans email; loan documents go to docs@finchoice.com, and for loan enquiries call 0861 346 246.

FinChoice MobiMoney

MobiMoney has no separate phone number; call FinChoice customer care on 0861 346 246. MobiMoney is a revolving facility of R100 to R10 000, repaid over 1, 2 or 3 months. Activation is free and you only pay when you withdraw. To withdraw, log in to finchoice.mobi, select MobiMoney, choose the amount and term, and confirm. A MobiMoney withdrawal can take up to 12 hours to pay out once approved. FinChoice’s site does not mention a product called PayStretch.

Settlement quotes, paid-up letters and the legal team

On finchoice.mobi you can check your application status, request a settlement quote and manage your FinChoice products. For a settlement quote, log in, tap “Request settlement quote”, enter the settlement date and reason, and confirm your email address; the quote is emailed to you. For a paid-up letter, log in, tap “Active Loans” and then “Download paid-up letter”, and open the PDF with your 13-digit ID number.

If your account was handed over to FinChoice’s legal team, you cannot download the letter and must request it from legal@finchoice.com. FinChoice does not publish a legal department phone line; for anything else use 0861 346 246 or the Wynberg switchboard on +27 21 680 1000.

How to send your documents to FinChoice

• WhatsApp: save 063 482 7799 as “Finchoice”, start a chat, attach a photo of your bank statement or payslip with your income details visible, and put your ID number in the caption.
• Email: send the documents to docs@finchoice.com with your ID number in the subject line.
• Mobi site: on www.finchoice.mobi, choose “Upload your documents”, enter your SA ID and upload the file.

FinChoice says a bank stamp is not required on bank statements. Customers who bank with FNB or Capitec can also send documents through their banking app, following FinChoice’s help centre guide.

Payment arrangements, arrears and debt review

FinChoice does not publish a separate collections department number or email. For payment arrangements, missed payments or a debt review referral, call 0861 346 246. FinChoice does not offer debt counselling itself, but says it can refer you to someone.

• Promise to Pay: if your FinChoice or FoneChoice account is in arrears, log a Promise to Pay on finchoice.mobi, choose to pay the arrears or the instalment amount, then pick debit order, EasyPay or deposit.
• Skip payment: customers with a good payment record and no missed or disputed instalments can skip a payment on a loan in finchoice.mobi.

FinChoice insurance claims and complaints

FinChoice’s insurance products, such as funeral cover, are underwritten by Guardrisk Life Limited. FinChoice’s claims procedure says all claims can be submitted to info@finchoice.com, 0861 346 246, fax 021 680 8260, or Private Bag X150, Claremont, Cape Town, 7735. Insurance complaints can be made by phone on 0861 346 246 or in writing to insurance.complaints@finchoice.co.za. You can also complain to the insurer, Guardrisk Life, on 011 669 1000 or info@guardrisk.co.za.

Who is FinChoice?

FinChoice offers loans, insurance and MobiMoney. FinChoice Africa Ltd is a registered credit provider (NCRCP 8162) and authorised financial services provider (FSP 46962), and FinChoice SA (Pty) Ltd is an authorised financial services provider (FSP 52725). FinChoice’s help centre says loans ceded from 1 June 2026 show a new credit provider, FinChoice Finance (Pty) Ltd, NCRCP23514, but your repayments, terms and the way you contact FinChoice stay the same. FinChoice is part of the group that includes HomeChoice, and its site links to Weaver Fintech for investor information.

FinChoice is an online lender and publishes no branches in Pretoria, Arcadia, Upington or Durban. Its only published office is 78 Main Road, Wynberg, Western Cape, 7800, so treat “FinChoice office” listings elsewhere with care.

Frequently asked questions

What is the FinChoice contact number?

Customer care is on 0861 346 246, Monday to Friday 07:30 to 18:00 and Saturdays and public holidays 08:00 to 14:00. The Wynberg switchboard, for PAIA and privacy matters, is +27 21 680 1000.

What are FinChoice working hours?

Monday to Friday 07:30 to 18:00, Saturday and public holidays 08:00 to 14:00, closed on Sunday. Loan applications on finchoice.mobi run 24/7.

Who do I contact if I cannot log in to FinChoice?

Call 0861 346 246 or create a support ticket at support.finchoice.co.za, which replies within 24 hours. There is no separate recovery email address.

How do I send documents to FinChoice?

On WhatsApp to 063 482 7799 with your ID number in the caption, by email to docs@finchoice.com with your ID number in the subject line, or through the Document Uploader on finchoice.mobi.

How do I make a payment arrangement with FinChoice?

Log a Promise to Pay on finchoice.mobi, or call 0861 346 246. FinChoice has no separate collections number.

Does FinChoice have branches?

No. FinChoice is an online lender; its only published office is 78 Main Road, Wynberg, Western Cape.

Is there a FinChoice loan application form?

No. You apply online at www.finchoice.mobi, which is open 24/7, and upload documents there, on WhatsApp 063 482 7799 or to docs@finchoice.com.

Sources

• FinChoice Contact Us page, finchoice.co.za/contact-us, read 16 September 2026
• FinChoice help centre articles on sending documents, settlement quotes, paid-up letters, kwikserve and the new NCRCP, finchoice.freshdesk.com, read 16 September 2026
• FinChoice Insurance Claims Procedure, Insurance Complaints Management framework and PAIA Manual 2025, linked from finchoice.co.za, read 16 September 2026
• FinChoice Contact Us page, home page, Loans and MobiMoney product pages, finchoice.co.za, read 26 September 2026
• FinChoice help centre articles on registering for mobi, applying for a loan and a reloan, MobiMoney withdrawals, Promise to Pay, skipping a payment and debt counselling, support.finchoice.co.za, read 26 September 2026
• FinChoice PAIA Manual 2025, strapicms.finchoice.co.za, read 26 September 2026