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Finchoice
Verified Business
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Scores reflect the Overall AI Score for each category
Scores reflect the Overall AI Score for each category
Based on recent customer reviews, Finchoice is experiencing severe customer dissatisfaction across all measured service themes. Customers report persistent billing errors, unauthorised debits after settlement, credit bureau reporting failures, and unresponsive communication channels. While the loan application process is sometimes praised for speed, post-settlement handling, refunds, and dispute resolution are consistently described as frustrating, with many customers escalating to the NCR and Ombudsman.
TrustIndex
3.1
Ranking
#21
in Loans & Credit
NPS Score
-56
Recommended: Unlikely
Jul '25 - Jun '26
Based on recent customer reviews, Finchoice is experiencing severe customer dissatisfaction across all measured service themes. Customers report persistent billing errors, unauthorised debits after settlement, credit bureau reporting failures, and unresponsive communication channels. While the loan application process is sometimes praised for speed, post-settlement handling, refunds, and dispute resolution are consistently described as frustrating, with many customers escalating to the NCR and Ombudsman.
The most common complaint about Finchoice, based on Hellopeter's AI analysis of recent customer reviews, is Billing, Payments & Financial Accuracy. Billing, Payments & Financial Accuracy (1.1) is the most damaging theme. Customers report unauthorised debits after settlement, double deductions, misallocated payments, and refunds taking weeks or months. Paid-up letters are routinely delayed and accounts remain active despite full settlement.
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your Experience1 reviews | Active since Jan 2020
I have today received the worst service from Finchoice Customer Care. I had to make a payment arrangement but was hugely shocked when R10356 was deducted from my account yesterday. I called the customer service line and the agents were so rude to me, as if I personally owed them the money. I explained that this was not the arrangement that we made at the beginning of May and had planned my budget accordingly. After 6 calls, I eventually managed to speak the supervisor who was much friendlier and she responded that the agent on the phone recording had explained to me the amounts that would be deducted, which I dispute as I would never have agreed to this since I would not have been able to provide this amount and y bank account is no completely empty. I dont even have money for a liter of milk tonight. She promised to send me the recording so I could listen and then take further steps for my refund, and have now been waiting for 4 hours already. They say I must be patient they will send it when they can. Where does this leave me? Out of pocket with other expenses to cover and no money to put food on my table. I have asked them to assist me and they just turn a blind eye with a recording that they believe holds the facts but cannot share with me. I demand some help please as this was not a payment arrangement and I feel I have no leg to stand on but need my money back into my account. The did 6 deductions and I had only approved one debi check mandate.
1 reviews | Active since Jan 2020
I have today received the worst service from Finchoice Customer Care. I had to make a payment arrangement but was hugely shocked when R10356 was deducted from my account yesterday. I called the customer service line and the agents were so rude to me, as if I personally owed them the money. I explained that this was not the arrangement that we made at the beginning of May and had planned my budget accordingly. After 6 calls, I eventually managed to speak the supervisor who was much friendlier and she responded that the agent on the phone recording had explained to me the amounts that would be deducted, which I dispute as I would never have agreed to this since I would not have been able to provide this amount and y bank account is no completely empty. I dont even have money for a liter of milk tonight. She promised to send me the recording so I could listen and then take further steps for my refund, and have now been waiting for 4 hours already. They say I must be patient they will send it when they can. Where does this leave me? Out of pocket with other expenses to cover and no money to put food on my table. I have asked them to assist me and they just turn a blind eye with a recording that they believe holds the facts but cannot share with me. I demand some help please as this was not a payment arrangement and I feel I have no leg to stand on but need my money back into my account. The did 6 deductions and I had only approved one debi check mandate.
1 reviews | Active since Jan 2020
I'm having the worst experience I paid through EFT on the 23rd and they debited again on the 26 But it still says they are looking for a payment where I already paid double for this month Now my emails are not responded for refunds and calls
1 reviews | Active since Jan 2020
I'm having the worst experience I paid through EFT on the 23rd and they debited again on the 26 But it still says they are looking for a payment where I already paid double for this month Now my emails are not responded for refunds and calls
1 reviews | Active since Jan 2020
The payment went through on Tuesday but it's not reflecting on their accounts it'd been 3 days now but still isn't updated and it's damaging my profile I'm wondering where did the money went to because it's their own debit
1 reviews | Active since Jan 2020
The payment went through on Tuesday but it's not reflecting on their accounts it'd been 3 days now but still isn't updated and it's damaging my profile I'm wondering where did the money went to because it's their own debit
1 reviews | Active since Jan 2020
Finchoice bad experience my partner was due for a refund suddenly unauthorized debit order from finchoice is on his bank statement I demand it to be fixed cause now it means the company is *****ing from people
1 reviews | Active since Jan 2020
Finchoice bad experience my partner was due for a refund suddenly unauthorized debit order from finchoice is on his bank statement I demand it to be fixed cause now it means the company is *****ing from people
1 reviews | Active since Jan 2020
I've had the displeasure of dealing with this company. They have double debited me twice recently and told me that I must wait to see why they've done this. They've taken off 3 times the amount they were supposed to. Bunch of **** artists. I wouldn't recommend them to anyone
1 reviews | Active since Jan 2020
I've had the displeasure of dealing with this company. They have double debited me twice recently and told me that I must wait to see why they've done this. They've taken off 3 times the amount they were supposed to. Bunch of **** artists. I wouldn't recommend them to anyone
1 reviews | Active since Jan 2020
I have loan with finchoice ,mobi money and the 24 months loan.I have written to them that I see I get charged R91 daily for 24 months loan and R4 for mobi money.I asked them to check this and come back to me but I just got a lame answer and this charges gets added daily and the charges do not appear on the statement but when I check my balance it goes up daily and I am really concerned about this ,if the charges were appearing on the statement then I would say this makes sense but I check my account daily fees are added without explanation and the service when u call is really bad.
1 reviews | Active since Jan 2020
I have loan with finchoice ,mobi money and the 24 months loan.I have written to them that I see I get charged R91 daily for 24 months loan and R4 for mobi money.I asked them to check this and come back to me but I just got a lame answer and this charges gets added daily and the charges do not appear on the statement but when I check my balance it goes up daily and I am really concerned about this ,if the charges were appearing on the statement then I would say this makes sense but I check my account daily fees are added without explanation and the service when u call is really bad.
1 reviews | Active since Jan 2020
I app**** for a loan with FinChoice via the Pay just now app and I got credited the loan but it wasn’t appearing on the app and I haven’t even used their credit but yet they debited my bank account but their credit is still unused so they are not treating their customers properly
1 reviews | Active since Jan 2020
I app**** for a loan with FinChoice via the Pay just now app and I got credited the loan but it wasn’t appearing on the app and I haven’t even used their credit but yet they debited my bank account but their credit is still unused so they are not treating their customers properly
Finchoice scores 1.3 out of 5 on Hellopeter's AI analysis of service quality in Loans & Credit, compared to the Loans & Credit industry average of 2.2. Their strongest theme is Loan Application (1.4); their weakest is Communication (1.3). The top AI-rated Loans & Credit business on Hellopeter is Gold Capital (4.8). How is the AI Score calculated? →
Finchoice has a TrustIndex of 3.1 out of 10 on Hellopeter, based on 662 reviews in the last 12 months. Hellopeter has tracked Finchoice across 4,097 total reviews. How is the TrustIndex calculated? →