Rating based on 67 reviews

FNB – Personal loans


  • Low-interest starting from 10.25%
  • Personal loans up to R300,000
  • Repayment up to 60 months

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Author FNB. Screenshot of FNB website. [Accessed July 24, 2019]

About FNB

As the oldest bank in South Africa, we understand the importance of placing our fellow South Africans first and want to encourage others to allow us to help them place their financial future first.

Over time we have come to understand the financial needs and circumstances of those in our community and strive to do what we can to improve the financial future of our customers be it with one of our personal loans or an account that let's you do more.

At the heart of our operations

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

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

We have the best financial products

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

We treat our customers with respect and embrace ubuntu in the workplace when dealing with colleagues and customers alike. Allow us to help you build a sustainable and lucrative future that you deserve.

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 FNB personal loans and the magical touch from our expert and innovative financial staff.

Personal 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 small personal loan.

Affordable and flexible loans

At FNB we offer quick cash loans up to the value of R300,000 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 Product Details

  • Loan Type Personal loans
  • Interest Rate from 10.25%
  • Loan Amount up to R300,000
  • Repayment 1 month to 60 months

Summary of Services

  • Personal loans up to R300,000
  • Repayment up to 60 months
  • Fixed interest rate

FNB will help you to get your money under control

We understand that finance can become complicated and, if that happens, we are here to help you get out of the sticky situation.

If the debt is giving you a headache allow us to help you gain control with a debt consolidation loan. Because we care so much we will also help you to decide which vehicle you can finance with one of our personal loans.

We will help you to drive in style

Financing a vehicle can be a daunting process especially since you already have to decide which vehicle is best for your lifestyle. Our specialists can be of assistance with our nifty calculators. We can help you to determine the monthly repayments you can afford in order to help you determine the 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 their 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.

Calculators to help you take charge

One of the greatest revolutions in modern banking is that our customers are able to make use of our online calculators. The online calculator will allow you to determine how much money you can afford to borrow. In order to successfully do this, you will need to have an understanding of your past, current, and future financial circumstances. The calculator will assist you in determining the monthly repayment amount that you will be able to afford so that you can decide on the correct borrowing amount and personal loan period 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 eighteen 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 our website, via cell phone banking or you can contact us and we can help you to complete the online loan application telephonically. You will also require your ID, a recent payslip, proof of residence and three months bank statements to assess your income and expenses. Once the application process is completed we can discuss the package that you desire.

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 Details

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