Known for its white sand beaches and its views, Finale Ligure is located directly adjacent to the Rock of Caprazoppa, a steep limestone mountain on the southwest, and much of the town extends up hill slopes. The town has a lively commercial district. The boardwalk is lined with palm trees and many restaurants from the adjacent street have located large, open-air dining rooms along it.

The town of Finale Ligure is nominally divided into three "boroughs". Finale Ligure Marina (Finalmarina) is the main seaside part of the town, most frequented by tourists, while Finale Pia (Finalpia) is the traditional center of the town, where a Benedictine abbey still stands. Finalborgo, the third borough and located further inland, consists of an old walled medieval town built at the joncion of two streams: Aquila and Pora.

Finale Ligure has furthermore some frazioni: Varigotti, an appreciated and characteristic seaside holiday destination, which was an important port in Roman and Byzantine times; Perti, also an ancient center with Roman and Medieval ruins, up into the entroterra (interior); Le Manie (e Magne in local dialect), a plateau partly cultivated, partly left to pine forest and Mediterranean Bush; Gorra, a panoramic hamlet along the steep road to the Alpine forests of Melogno pass; San Bernardino, a recent set of buildings and residences on the top of the hill overlooking Finale Marina.

The territory surrounding Finale is known as "Il Finale", and not "Il Finalese" as sometimes wrongly spelled; it is made up of limestone plateaus and canyons which host a significant biodiversity and important remains of Roman and Medieval times.

Caves attesting the presence of human settlements in the area as early as the Neolithic age have been found. During the Roman times, the burgh of Finale was known as Ad Fines ("On the Border"), as it marked the boundary between two of the main Ligurian tribes: the Sabatii in the east, and the Intemelii in the west.

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