Rating based on 67 reviews

FNB Personal Loan

  • Personal loans up to R360,000
  • Low-interest starting from 16.25%
  • Repayment up to 60 months

In-page navigation

FNB homepage
Author FNB. Screenshot of FNB website.
[Accessed December 8, 2022]

About FNB

FNB encourages everyone to prioritize their finances and do what is necessary to secure themselves and their families.

As the oldest bank in South Africa, FNB understands the importance of placing its fellow South Africans first.

Over time they've come to understand the financial needs and circumstances of those in the community and strive to do what they can to improve their financial future. This may be in the form of one of their personal loans or an account that lets you do more.

At the heart of FNB's operations

FNB has been looking out for the best interests of South African citizens since 1838. Their operations have always been greatly influenced by the needs of the community.

Their logo, the acacia tree, is a symbol of the roots that run deep within our country and a promise of their commitment to serving the needs of their fellow citizens to the best of their ability.

FNB has the best financial products

Not only does FNB aspire to provide the best financial products and services in the country, but they also have the vision to create a better world. All of their products and practices are geared towards sustainability.

FNB treats customers with respect and embraces ubuntu in the workplace when dealing with colleagues and customers alike. If you want to build a sustainable and lucrative future they're the financial partner you want to have by your side. 

FNB Services

Finance is exciting because you are planning for your future. We enjoy helping our clients to finance their dream vehicle, a home renovation or a family holiday.

All of these dreams can come true with the assistance of one of our online loans and the magical touch of our expert and innovative financial staff.

Loans to suit your personality

We all have dreams but with the current economic climate, it is near impossible to save up to finance these dreams.

The time to make your dreams come true is today – it is time to get the finance that you need to move forward with your life and we are here to help you do just that whether you need a home loan, vehicle finance, or a smaller loan.

Affordable 7 flexible loans

At FNB we offer quick approval with loan amounts up to the value of R360,000 repayable over a term of one to sixty months at fixed monthly repayments.

Our interest rates are fixed for the loan term protecting you from interest hikes and allowing you to budget and manage your money more easily.

Take the vacation, purchase the car or get the braai area equipped – you deserve to do the things that make you happy.

FNB – Personal loan

  • Loan Type Personal loans
  • Interest Rate 16.2529.75% p/a
  • Loan Amount up to R360,000
  • Repayment 30 days to 60 months

Benefits of FNB

  • Interest rates are personalised
  • No penalties for early settlement
  • Fixed monthly repayments

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

FNB will help you get your money under control

Finance can become complicated and, if that happens, FNB will help you out. 

If debt is giving you a headache, allow FNB to help you gain control with a consolidation loan. Because they care so much will also help you decide which vehicle you can finance with one of their personal loans.

Buy the car of your dreams with FNB

Financing a vehicle can be a daunting process especially since you already have to decide which vehicle is best for your lifestyle. FNB's specialists can be of assistance with their nifty calculators.

They can help you to determine the monthly repayments you can afford in order to properly budget for a vehicle. Once you have a budget in mind, you can get to the fun part: shopping for your dream vehicle.

Do not hesitate to consolidate

It is not uncommon to have multiple credit cards or store cards each with its own monthly repayment and set of fees. In fact, for many, this is the norm. What many people do not realise is the amount of money that is wasted on fees and interest.

A debt consolidation loan will allow you to pay off all of the debts and repay one loan instead. This way you are saving money on interest and have more money to spend on the things that you enjoy. It will also help simplify your debt so it's easier to manage. 

Calculators to help you take charge

One of the greatest revolutions in modern banking is that customers are able to make use of their online loan calculator before even making an application. The online calculator will allow you to determine how much money you can afford to borrow.

In order to successfully do this, you'll need to have an understanding of your past, current, and future financial goals. The calculator will assist you in determining the monthly repayment amount that you'll be able to afford so that you can decide on the correct borrowing amount and personal loan term for your current situation.

How does the application process work?

In order to qualify for an FNB loan, you need to be a South African citizen between the ages of 18 and 64 with permanent employment and a salary that is paid directly into your bank account.

If you meet all the above criteria you can apply online via FNB's website, via cell phone banking or you can contact them and they can help you complete the online loan application telephonically.

You'll also need your ID, a recent payslip, proof of residence, and three months bank statements so FNB can assess your income and expenses. Once the application process is completed a consultant will speak to you about the package that will best meet your needs. 

Customer Reviews & Testimonials

February 2019

FNB makes their customers feel welcome and at ease. When working with their staff they are highly professional, knowledgeable and friendly. They make banking an overall pleasant experience.

Frikkie S
— Swellendam —

April 2019

When borrowing money from FNB you will not need to worry about being held in the dark. FNB is open about all of their charges and loan implications. When I applied for my loan they kept me up to ...

Kobus K
— Uitenhage —

March 2019

When compared to other lenders or financial institutions there is no real comparison. FNB will remain my favourite and I will recommend them to anyone. Their services and products are awesome.

Marius B
— George —

FNB Contact

Physical Address

  • Thebe Hoskins House, Breda St & Mill Street Gardens Cape Town 8001 South Africa
  • Get Directions

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday 08:30 – 13:00
  • Sunday – Closed