Finchoice
Verified Business
Finchoice
Verified Business
648 Reviews (last 12 months)
Responds in 7 hours 19 min
Scores reflect the Overall AI Score for each category
AI Review Summary
Based on recent customer reviews, Finchoice faces severe and widespread criticism across virtually every dimension of its customer experience. Customers consistently report unauthorized debits after account settlement, persistent harassment through excessive daily phone calls, unresponsive communication channels, and inaccurate credit bureau reporting. While a small number of customers praise the initial ease of applying for loans and occasional exceptional agents, the overwhelming pattern is one of systemic operational failures and deeply poor service delivery.
Top Strengths:
- •Process Efficiency & Turnaround: A handful of customers note the initial online application process is quick and straightforward. Loan approvals and document uploads are sometimes described as easy in the early stages before issues arise.
Service Quality Ratings
MetricScoreIndustry AvgBest in Class
Performance(last 12 months):
2.6Trustindex Rating
#18Ranked In Loans & Credit
7 hours 19 minutesAverage Time To Reply
-53 NPSRecommended: Unlikely
Replied to 95% of negative reviews
Typically takes less than 7 hours 20 min to reply
TrustIndex
2.6
Score
Ranking
#18
in Loans & Credit
Avg Reply
7 hours 19 minutes
NPS Score
-53
Recommended: Unlikely
Replied to 95% of negative reviews
Typically takes less than 7 hours 20 min to reply
Review Distribution
1.2|648 Reviews
May '25 - Apr '26
5(3%)
4(0.7%)
3(1%)
2(5.5%)
1(89.9%)
5(3%)
4(0.7%)
3(1%)
2(5.5%)
1(89.9%)
Recent reviews (648)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your ExperiencePopular mentions
ZM
Zoleka M
1 reviews | Active since Jan 2020
19 Mar 2026, 04:50
FOR PEACE OF MIND - NEVER USE FINCHOICE FUNERALL POLICY
I would like to share my very disappointing experience with FinChoice Funeral Policy. I submitted a funeral claim on the 12th of March. The claim was only approved on the 16th of March, and as of today, the 19th of March, I have still not received any payment. The funeral is scheduled for the 21st of March, and I have not been able to pay the undertakers or make the necessary arrangements. This has caused immense stress during an already painful and difficult time. No one deserves to go through this kind of uncer*****y when they are grieving and trying to prepare for a loved one’s funeral. Based on my experience, I strongly urge others to reconsider using FinChoice for funeral cover.
Helpful (0)
|Replies (0)ZM
Zoleka M
1 reviews | Active since Jan 2020
19 Mar 2026, 04:50
FOR PEACE OF MIND - NEVER USE FINCHOICE FUNERALL POLICY
I would like to share my very disappointing experience with FinChoice Funeral Policy. I submitted a funeral claim on the 12th of March. The claim was only approved on the 16th of March, and as of today, the 19th of March, I have still not received any payment. The funeral is scheduled for the 21st of March, and I have not been able to pay the undertakers or make the necessary arrangements. This has caused immense stress during an already painful and difficult time. No one deserves to go through this kind of uncer*****y when they are grieving and trying to prepare for a loved one’s funeral. Based on my experience, I strongly urge others to reconsider using FinChoice for funeral cover.
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Replies (0)CW
Charlene W
1 reviews | Active since Jan 2020
18 Mar 2026, 13:10
Breach of contract on debit order arrangement.
I'm very unhappy with finchoice. I like my policy however they keep deducting from my bank account on any day that suits them. I have a debit order on the 3rd of every month, but they went in on the 25th, 30th and even on the 11th. Apparently they debit order mandate allow the debit order 3 days before and 3 days after. Why? I don't understand cause this policy is not in arrears. And a policy is a freedom of choice, unlike a loan. I do not owe finchoice anything and I'm sick and tired of unnecessary bank charges on my bank account. They sent me an email saying if they cancel the debit order they will cancel the policy. I will request a copy of my policy and read it again cause I don't remember anything in the policy stating that.
Helpful (0)
|Replies (0)CW
Charlene W
1 reviews | Active since Jan 2020
18 Mar 2026, 13:10
Breach of contract on debit order arrangement.
I'm very unhappy with finchoice. I like my policy however they keep deducting from my bank account on any day that suits them. I have a debit order on the 3rd of every month, but they went in on the 25th, 30th and even on the 11th. Apparently they debit order mandate allow the debit order 3 days before and 3 days after. Why? I don't understand cause this policy is not in arrears. And a policy is a freedom of choice, unlike a loan. I do not owe finchoice anything and I'm sick and tired of unnecessary bank charges on my bank account. They sent me an email saying if they cancel the debit order they will cancel the policy. I will request a copy of my policy and read it again cause I don't remember anything in the policy stating that.
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Replies (0)BS
Bulelwa S
1 reviews | Active since Jan 2020
18 Mar 2026, 11:02
Good reputation
Hello good people. Whoever read my last review about this Company would be glad to read this latest review. I hope some Companies could take notes and learn to listen and pay attention when consumers speak. Finchoice responded to my complaint and swiftly rectified the mistake. I want to commend them and tell people out there that could be looking for reputable loan Companies to know that this is one Company that listens to us and act accordingly. Thank you Finchoice. I appreciate that you returned my money which was debited without my consent. Keep up the good work and keep listening to your customers.
Helpful (0)
|Replies (0)BS
Bulelwa S
1 reviews | Active since Jan 2020
18 Mar 2026, 11:02
Good reputation
Hello good people. Whoever read my last review about this Company would be glad to read this latest review. I hope some Companies could take notes and learn to listen and pay attention when consumers speak. Finchoice responded to my complaint and swiftly rectified the mistake. I want to commend them and tell people out there that could be looking for reputable loan Companies to know that this is one Company that listens to us and act accordingly. Thank you Finchoice. I appreciate that you returned my money which was debited without my consent. Keep up the good work and keep listening to your customers.
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Replies (0)NP
Noko P
1 reviews | Active since Jan 2020
17 Mar 2026, 16:05
I'm really fed up with this two companies because I have forwarded a paid up letter to the attorneys are they have instructed that I do but they are still sending messages telling me to make payments though they are not giving out full details of whatever
I'm still having an unsolved problem with finchoice. This people are collecting money from my account every month alleging that I have a policy with them. I don't even have any details of the alleged policy whilst on the other side tey're abusing me with messages and calls from their lawyers (MBD) who are threatening me with legal action without providing details of whatever they are alleging that I owe to their client (Finchoice).
Helpful (0)
|Replies (0)NP
Noko P
1 reviews | Active since Jan 2020
17 Mar 2026, 16:05
I'm really fed up with this two companies because I have forwarded a paid up letter to the attorneys are they have instructed that I do but they are still sending messages telling me to make payments though they are not giving out full details of whatever
I'm still having an unsolved problem with finchoice. This people are collecting money from my account every month alleging that I have a policy with them. I don't even have any details of the alleged policy whilst on the other side tey're abusing me with messages and calls from their lawyers (MBD) who are threatening me with legal action without providing details of whatever they are alleging that I owe to their client (Finchoice).
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Replies (0)MR
NL
Nicolene L
1 reviews | Active since Jan 2020
17 Mar 2026, 13:19
Poor Service from Finchoice
I have a negative credit score due to Finchoice not updating their system or ITC. This account was paid up long ago and even have a credit on, but yet the account on my credit report shows as outstanding. They are quick to phone for money and nagging for money but when you are paid up and need them to close the account they are slow and the communication from their side is non existent. I told them to write off the credit in order for the account to be closed and to send paid up letter. This doesn't solve my issue or question as to why the ITC hasn't been updated long a go. Please can someone from Finchoice get this sorted for me without any waiting periods as this is lack of service from your side - the ITC should have been updated long ago even showing that there is a credit - shouldn't it have? Definitely not recommending Finchoice to anyone.
Helpful (0)
|Replies (0)NL
Nicolene L
1 reviews | Active since Jan 2020
17 Mar 2026, 13:19
Poor Service from Finchoice
I have a negative credit score due to Finchoice not updating their system or ITC. This account was paid up long ago and even have a credit on, but yet the account on my credit report shows as outstanding. They are quick to phone for money and nagging for money but when you are paid up and need them to close the account they are slow and the communication from their side is non existent. I told them to write off the credit in order for the account to be closed and to send paid up letter. This doesn't solve my issue or question as to why the ITC hasn't been updated long a go. Please can someone from Finchoice get this sorted for me without any waiting periods as this is lack of service from your side - the ITC should have been updated long ago even showing that there is a credit - shouldn't it have? Definitely not recommending Finchoice to anyone.
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Replies (0)DM
Delarey Müller
1 reviews | Active since Jan 2020
17 Mar 2026, 10:01
unprofessional Call Center and Management
Extremely unprofessional people working at this company. They keep phoning a phone number that does not belong to the person they are looking for. After telling them that they have the wrong number they keep phoning every 30min asking the same question and getting the same answers. this has been going on for months and no one is helping
Helpful (0)
|Replies (0)DM
Delarey Müller
1 reviews | Active since Jan 2020
17 Mar 2026, 10:01
unprofessional Call Center and Management
Extremely unprofessional people working at this company. They keep phoning a phone number that does not belong to the person they are looking for. After telling them that they have the wrong number they keep phoning every 30min asking the same question and getting the same answers. this has been going on for months and no one is helping
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Replies (0)DK
Dineo K
1 reviews | Active since Jan 2020
17 Mar 2026, 09:12
Policy unfair cancellation
Unrelaible , unproffesional and irresponsible...My query is still not resolved, they still continue as usual, horrible customer experience, requested them to refund me after they cancelled my policy after making an arrangement with them, debiting on wrong dates so they can cancel my policy!!!! whats worse is that they dont even follow process, they threw me to some claims department, when I fill in the forms, there are parts that they need to fill oas the company, this shows thatthey have to esclalate my request on my behalf to the claims depart, of which they didnt do... all they did was to sharve me with contacts to claim for myself, I simply asked them to reinstate since it wasnt my fault they debited on wrong dates, they refused and decided to save their employee for generously assisting me with an arrangement...I will not rest until it gets sorted accordingly!!!!!
Helpful (0)
|Replies (0)DK
Dineo K
1 reviews | Active since Jan 2020
17 Mar 2026, 09:12
Policy unfair cancellation
Unrelaible , unproffesional and irresponsible...My query is still not resolved, they still continue as usual, horrible customer experience, requested them to refund me after they cancelled my policy after making an arrangement with them, debiting on wrong dates so they can cancel my policy!!!! whats worse is that they dont even follow process, they threw me to some claims department, when I fill in the forms, there are parts that they need to fill oas the company, this shows thatthey have to esclalate my request on my behalf to the claims depart, of which they didnt do... all they did was to sharve me with contacts to claim for myself, I simply asked them to reinstate since it wasnt my fault they debited on wrong dates, they refused and decided to save their employee for generously assisting me with an arrangement...I will not rest until it gets sorted accordingly!!!!!
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Replies (0)