1. Step 1: Register for the FNB USSD channel by dialling *120*321#Step 2: Select ‘2. Banking’, making sure to choose the account your salary gets deposited into, and select ‘SEND’.

   Step 3: Choose ‘2. Statements’ and select ‘SEND’.

   Step 4: Choose ‘2. Email me a statement’ and select ‘SEND’.

   Step 5: Choose ‘4. Last 3 statements (FREE)’ and select ‘SEND’.

   Step 6: Choose ‘1. Continue’ and select ‘SEND’.

   Step 7: Enter our email address: docs@finchoice.com and select ‘SEND’.

   Step 8: Choose ‘1.Confirm’ and select ‘SEND’.

Step 1: Download the Capitec app via your phone’s app store.

Step 2: Choose ‘save’.

Step 3: Choose the account your salary gets deposited into.

Step 4: Choose ‘Email Statements’.

Step 5: Select the dates for the most recent 3 months, enter our email address (docs@finchoice.com) and choose ‘send’.

Here are a few of the benefits you can expect from finchoice.mobi:

• View your loan account balances
• Apply for another loan
• Apply for a KwikAdvance
• Request to skip a payment
• Update your personal details
• View a mini statement of your loans and accounts
• Take out a personal or family funeral policy
• Upload your personal documentation
• Request a settlement quote

You only need to be connected to the internet to use finchoice.mobi. If your cell phone has data, but no airtime, or if you are connected to WiFi, finchoice.mobi is just a click away.

Absolutely! Access to your FinChoice profile can only be made via your specifically registered cell phone and password.

Having a finchoice.mobi account will cost you absolutely nothing! The only costs you’ll incur are minimal cell phone data charges from your service provider, but connect to WiFi and enjoy finchoice.mobi at absolutely no cost at all. Even with any data costs, finchoice.mobi is still cheaper than a phone call or KwikServe.

With our self-service function, you can access and safely manage your money 24 hours a day, using any computer or mobile device. All you need is your unique username and password to login to finchoice.mobi.

• Manage your accounts 24 hours a day from any computer or device.
• Self service is quick and easy to use.
• The cost of using self service is minimal – all you need is data.
• Your unique username and password combination make self service completely private and secure.

As soon as all the required documentation has been received, we will transfer the funds into your account. If we get all your documents before 3pm, the loan will reflect in your bank account within 24 hours. We’ll send you a confirmation SMS to let you know when your money will be available to you

By taking out a loan with us, you are automatically added to the FinChoice Personal Protection Plan. What this means is that:

• Your KwikAdvance loan will be fully paid off in the event of your death, ensuring your loved ones won’t be burdened with any unforeseen debt.
• If you have a Flexi- or PremierLoan with us, the outstanding balance of your loan will be settled in the unfortunate event of death, disability or retrenchment (depending on your employment status and age)

Yes, as long as you’ve made at least one payment and your account is up to date. There are a few ways you can request to skip a payment:

• Login to finchoice.mobi and request the skip online
• Request a KwikSkip on KwikServe by dialling *120*1048#
• Call us on 0861 346 246 for the skip to be processed telephonically
• SMS ‘Skip’ to 083 8555 700 and we’ll call you.

A loan statement will be automatically sent to you every three months. If you’d like to view a mini statement or check your balance, visit finchoice.mobi, dial KwikServe on *130*1048# or contact our call centre on 0861 346 246 to request an interim statement.

Our interest rates are regulated by the National Credit Act (NCA). Please refer to the terms and conditions of your loan agreement for more details.

As a registered credit provider in support of the National Credit Act (NCA), FinChoice carries out an affordability assessment that allows us to lend you only as much as you can afford.

Affordability is a new regulation that has been put in place by the National Credit Act which stipulates that we, as a registered credit provider, can only loan you what you can afford to pay back. All this means is that, when you apply for a loan, we will ask you a few questions about your income and expenses. Before we can transfer any funds, we’ll need proof of your income in the form of your 3 most recent payslips, bank statements or pension slips.

• Due to the relationship we share with these banks, we are able to request you bank statements for you – with your permission and at no additional cost to you.

Yes, there are. Take a clear photo of your proof of income showing your ID number and send it to us using one of these methods:

• Email it to us on docs@finchoice.com
• Fax it to us on 021 680 8257
• Upload it to finchoice.mobi/docs

All your information is kept completely confidential ensuring your personal documents remain private. If you need any assistance, or if you have any questions, please give our loan specialists a call on 0861 346 246.

Even if you aren’t planning on taking out another loan, it will be hugely beneficial to send us your documents every month as you’ll get an instant approval decision when you do need a loan, and the money will be in your account when you really need it.

KwikServe® is a USSD platform that allows you to effortlessly and efficiently interact with your FinChoice accounts without using data. With KwikServe®, you will be able to:

• View your loan account balances
• Apply for a KwikAdvance®
• Find out how much money is available to withdraw from KwikDraw
• Request a KwikSkip
• Take out a personal or family funeral cover policy
• Update your personal details
• View a mini statement of all accounts and loans
• Buy airtime

Standard rates of 20c per 20 seconds apply to all KwikServe® customers.

Yes, KwikServe® is made so that you can interact with your FinChoice accounts no matter what phone you have. Smartphones and feature phones are both compatible with KwikServe®.

Yes, KwikServe® is completely private and can only be accessed with your registered cell phone and a specific PIN code.

Our call centre is open according to the following hours:

Monday – Friday 07:30 – 19:00

Saturday 08:00 – 17:00

Sunday 09:00 – 14:00

Public holidays 08:30 – 15:00

Christmas Day, New Year’s Day, Good Friday – Closed.