Scores reflect the Overall AI Score for each category
Based on recent customer reviews, Finchoice is described by customers as a lender that is easy to borrow from but extremely difficult to settle with. Recurring themes include unauthorised or duplicate debit orders after settlement, months-long waits for paid-up letters and refunds, unanswered emails, and credit bureau records that remain uncorrected long after accounts are paid in full.
Top Strengths:
- •Process Efficiency & Turnaround: Customers consistently describe the initial application and MobiMoney withdrawal journey as quick and convenient, with same-day approvals in some cases. However, verification stages frequently stall for a week or longer with no status visibility.
Replied to 99% of negative reviews
Reply time on negative reviews: 7h 13m
TrustIndex
3.2
Ranking
#17
in Loans & Credit
Reply Time
7h 9m
NPS Score
-66
Recommended: Unlikely
Replied to 99% of negative reviews
Reply time on negative reviews: 7h 13m
Nov '25 - Oct '26
Frequently Asked Questions About Finchoice
What do customers say about Finchoice?
Based on recent customer reviews, Finchoice is described by customers as a lender that is easy to borrow from but extremely difficult to settle with. Recurring themes include unauthorised or duplicate debit orders after settlement, months-long waits for paid-up letters and refunds, unanswered emails, and credit bureau records that remain uncorrected long after accounts are paid in full.
What is Finchoice's biggest strength?
Finchoice's biggest strength, according to Hellopeter's AI analysis, is Process Efficiency & Turnaround. Customers consistently describe the initial application and MobiMoney withdrawal journey as quick and convenient, with same-day approvals in some cases. However, verification stages frequently stall for a week or longer with no status visibility.
What are the most common complaints about Finchoice?
The most common complaint about Finchoice, based on Hellopeter's AI analysis of recent customer reviews, is Billing, Payments & Financial Accuracy. The dominant complaint is debit orders processed after settlement quotes were paid in full, followed by refunds that customers chase for weeks or months. Payments are frequently allocated to the wrong account, leaving balances mysteriously increasing.
How does Finchoice compare to other Loans & Credit companies?
Finchoice scores 0.9 out of 5 on Hellopeter's AI analysis of service quality in Loans & Credit, compared to the Loans & Credit industry average of 2.1. Their strongest theme is Loan Application (1.1); their weakest is Communication (0.7). The top AI-rated Loans & Credit business on Hellopeter is AutoFin Assist (4.6). How is the AI Score calculated? →
Is Finchoice trustworthy?
Finchoice has a TrustIndex of 3.2 out of 10 on Hellopeter, based on 727 reviews in the last 12 months. They reply to 99% of negative reviews, typically within 7 hours 13 min. Hellopeter has tracked Finchoice across 4,343 total reviews. How is the TrustIndex calculated? →
Recent reviews (727)
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 Jun 2026
Worst
The worst experience After telling me I approved and have me do a debicheck tht still stuck on my banking app I was told I'm declined perthetic service and a waste of time
1 reviews | Active since Jun 2026
Worst
The worst experience After telling me I approved and have me do a debicheck tht still stuck on my banking app I was told I'm declined perthetic service and a waste of time
1 reviews | Active since Oct 2026
Long Verification Time
I app**** for a loan and I was told that it would take 24/48h for me to get a response and that time has lapsed, I've been calling them and everyday they say that they don't know when it will be verified yet I have accepted the mandate from my bank. I hope you won't debit my account for money not received.
1 reviews | Active since Oct 2026
Long Verification Time
I app**** for a loan and I was told that it would take 24/48h for me to get a response and that time has lapsed, I've been calling them and everyday they say that they don't know when it will be verified yet I have accepted the mandate from my bank. I hope you won't debit my account for money not received.
1 reviews | Active since Jun 2019
HORRIBLE
Took a long 2 weeks before pay day for an emergency, they called me 20x a day for payment, which I had already stated will be paid on the 25th. Since then my *** with them is up to date,however I get calls about missed payments that I'm not aware of, when contacted it shows my *** is up to date however I still get 20 calls a day if not more, it seems like no one is even willing to update my *** or anything .an *** that has never been in arrears I regret taking up a loan with them. VERY ***********!!!
1 reviews | Active since Jun 2019
HORRIBLE
Took a long 2 weeks before pay day for an emergency, they called me 20x a day for payment, which I had already stated will be paid on the 25th. Since then my *** with them is up to date,however I get calls about missed payments that I'm not aware of, when contacted it shows my *** is up to date however I still get 20 calls a day if not more, it seems like no one is even willing to update my *** or anything .an *** that has never been in arrears I regret taking up a loan with them. VERY ***********!!!
1 reviews | Active since Oct 2026
Took out a temp loan with finchoice in 2023 i believe and because I couldn't pay it they handed i...
Took out a temp loan with finchoice in 2023 i believe and because I couldn't pay it they handed it over to nimble and I settled it in 2024 and requested a paid up letter till this date I never received a the paid up letter. What's bad is that my credit score still shows that I owe finnchoice or nimble the money when I call nimble they keep telling me they will send the paid up letter in 48 hours... Dololo paid up letter. To make it worse the is another 3rd party company that called me to settle the finchoice account and I advised them that I had settled the account,they also reflect on my credit score with the same outstanding balance I paid nimble.I can't even dispute this with credit bureau because they request a paid up letter which I don't have. Finchoice is the worst
1 reviews | Active since Oct 2026
Took out a temp loan with finchoice in 2023 i believe and because I couldn't pay it they handed i...
Took out a temp loan with finchoice in 2023 i believe and because I couldn't pay it they handed it over to nimble and I settled it in 2024 and requested a paid up letter till this date I never received a the paid up letter. What's bad is that my credit score still shows that I owe finnchoice or nimble the money when I call nimble they keep telling me they will send the paid up letter in 48 hours... Dololo paid up letter. To make it worse the is another 3rd party company that called me to settle the finchoice account and I advised them that I had settled the account,they also reflect on my credit score with the same outstanding balance I paid nimble.I can't even dispute this with credit bureau because they request a paid up letter which I don't have. Finchoice is the worst
1 reviews | Active since Mar 2022
Mishandled Account
Hi, I am extremely concerned about the handling of this ***. I have paid everything that was required of me, yet I continue to see payments or deductions relating to this *** that I do not understand or recognise. I have already requested that this *** be closed, as I no longer wish to have any financial relationship with FinChoice. Continuing to process payments after I have settled what was required and requested closure is unacceptable and raises serious concerns for me. I am therefore formally requesting that you: 1. Immediately close this *** and any associated facility. 2. Stop any further debit orders, deductions or payment attempts. 3. Provide me with a full statement showing exactly where the payments/deductions have been allocated. 4. Confirm in writing that the *** is closed and that I have no further obligations or amounts outstanding. I find the handling of this *** extremely concerning and suspicious, and I am not comfortable with continuing this relationship under these circumstances. Please treat this matter as urgent and provide written confirmation of the closure.
1 reviews | Active since Mar 2022
Mishandled Account
Hi, I am extremely concerned about the handling of this ***. I have paid everything that was required of me, yet I continue to see payments or deductions relating to this *** that I do not understand or recognise. I have already requested that this *** be closed, as I no longer wish to have any financial relationship with FinChoice. Continuing to process payments after I have settled what was required and requested closure is unacceptable and raises serious concerns for me. I am therefore formally requesting that you: 1. Immediately close this *** and any associated facility. 2. Stop any further debit orders, deductions or payment attempts. 3. Provide me with a full statement showing exactly where the payments/deductions have been allocated. 4. Confirm in writing that the *** is closed and that I have no further obligations or amounts outstanding. I find the handling of this *** extremely concerning and suspicious, and I am not comfortable with continuing this relationship under these circumstances. Please treat this matter as urgent and provide written confirmation of the closure.
1 reviews | Active since Jun 2026
No funds
I still never received any funds they I was told there was an error with the last step and canceled out the application I was told to re apply then to the convinience no debicheck was send yet the previous debicheck tht was approved by me for previous application is still approved on my banking app so if any funds go out my account without me being assisted I will definitely take this further
1 reviews | Active since Jun 2026
No funds
I still never received any funds they I was told there was an error with the last step and canceled out the application I was told to re apply then to the convinience no debicheck was send yet the previous debicheck tht was approved by me for previous application is still approved on my banking app so if any funds go out my account without me being assisted I will definitely take this further
1 reviews | Active since Jan 2022
Poor Customer Service and immatured consultant don't listen to clients instate argue with client and drop phones.
In the month of August i have app**** for Mobi money account and was approved. When i tried to access the account could not, i called in told I'm sharing number with someone asked to send screenshot via *** and i will be contacted. Till to date no feedback don't know if that person I'm sharing number with has used that money or not. I have spoken to two Team Leaders still not helped. Poor customer service i have received from this company.
1 reviews | Active since Jan 2022
Poor Customer Service and immatured consultant don't listen to clients instate argue with client and drop phones.
In the month of August i have app**** for Mobi money account and was approved. When i tried to access the account could not, i called in told I'm sharing number with someone asked to send screenshot via *** and i will be contacted. Till to date no feedback don't know if that person I'm sharing number with has used that money or not. I have spoken to two Team Leaders still not helped. Poor customer service i have received from this company.
1 reviews | Active since Oct 2026
Refusal to provide my settlement quote
FinChoice Debt Review department has been completely unresponsive for over 60 days regarding my settlement quote request. This is a direct violation of Section 122 of the National Credit Act. I am unable to settle my account because FinChoice is ********ly withholding my financial data. Case will be handed over to the NCR immediately if an executive manager does not call me today
1 reviews | Active since Oct 2026
Refusal to provide my settlement quote
FinChoice Debt Review department has been completely unresponsive for over 60 days regarding my settlement quote request. This is a direct violation of Section 122 of the National Credit Act. I am unable to settle my account because FinChoice is ********ly withholding my financial data. Case will be handed over to the NCR immediately if an executive manager does not call me today