Rating based on 54 reviews

FNB Personal Loan

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

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FNB homepage
Author FNB. Screenshot of FNB website.
[Accessed January 30, 2023]

FNB - Affordable personal loans

Sometimes life happens and your finances just don't work out the way you planned.

You’ll never have to be stuck again as FNB can help you with a personal loan for whatever reason you may need it.

Whether it is some home renovations, a new vehicle, or even paying for your child's education, FNB can help lighten the load. They offer many financial solutions and will always be able to assist with the right financial advice.

Where FNB began

Not many South Africans are aware that FNB is the oldest bank in the country. Its roots lie in Grahamstown in the Eastern Province Bank that was formed in 1838.

It started from humble beginnings to the success story that it is today, trading as a division of First Rand Bank Limited.

FNB has managed to survive all the financial obstacles that South Africa has faced over the years. You can rest assured that they know the banking industry inside out.

They care about the environment

Many big institutions have an interest in the sustainability of the environment around them. At FNB that's no different. They're actively making a change on a daily basis to help the environment.

They provide training on awareness about water and energy and are continuously searching for ways to minimise and manage the use of paper. FNB even donates a part of its funds to financially aid environmental causes.

Knowing that a bank cares about the environment and that they're making a change should assure you that they have your best interest at heart too.

Loans between R1 000 and R300 000

When people ask what makes FNB great, there are not enough hours in a day to give a comprehensive answer.

Outstanding customer service is a top priority at FNB.

They strive to bring you up-to-date, innovative, and useful financial solutions and there's no doubt that being in the industry for so many years has made them experts.

FNB knows that with a little help in the right direction, people can accomplish great things. Being able to tie its name to the countless success stories they've created is why they're a cut above the rest.

A personal loan from a bank you can trust

Many different financial institutions offer you a personal loan, but are they truly what they claim to be? In the age we live in, borrowing from a trustworthy lender is important.

With FNB you know that what they say is what you get. They're a well-established name in South Africa and people know that they're trustworthy. To be able to borrow from an institution that has been around for so many years gives you the comfort of knowing you're in good hands.

Tools to help you make a responsible decision

FNB has made available a whole range of exciting, helpful tools and calculators for you to use. This is very helpful when planning and seeking financial assistance.

They have everything from day-to-day budgeting to foreign exchange. With this extensive range of tools, you can manage your money better.

If you can see what you'll be repaying on a personal loan before you apply, you can adjust your finances accordingly. That makes life so much easier.

FNB – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 10.25%
  • Loan Amount up to R300,000
  • Repayment 30 days to 60 months

Benefits of FNB

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

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 - Let us help you

Applying for financing from them has never been this easy. The online application process is well-explained and takes only a few minutes to complete.

Documents required: 

  • Your South African ID document or Smart ID Card.
  • A proof of your income and expenses.
  • Your current address.
  • If you are not a South African citizen, a passport or valid work permit will be required.

The qualifying criteria: 

  • You will need permanent employment.
  • Your salary must be paid directly to your bank account.
  • The required age is 18+ years old.
  • You must be a South African citizen or have residency.

The application process

Step one:

On the FNB website, under the personal finance tab, you can click on apply now. This will direct you to the first part of the application that you can complete. You can then click on continue.

Step two:  

Filling in all your details will only take a few minutes. You can submit all required documents along with your completed loan application.

Step three:

Once everything is submitted and they don't require any more documents from you, your loan is reviewed. You'll then be sent a request for a DebiCheck mandate for you to sign and seal the deal.

Step four:

Your loan will be paid into your bank account. This typically happens on the same day.

When you choose FNB you choose success

For many years FNB has been there to assist South Africans with the financing they needed. They have strived to uphold the level of customer service it still holds today.

You can achieve financial success and freedom from them too. Make the change today and partner with a lender that looks after your financial well-being.

The benefits are endless 

  • They offer personalised credit of up to R300 000
  • You can get tailored fixed interest rates
  • There are no penalties for early settlement
  • If your loan is up-to-date, you get to skip a payment every January
  • They offer credit insurance with their loans
man holding thumbs up

FNB is a trusted & reliable provider of personal loans

In our review, FNB adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ FNB is a registered credit provider in South Africa: NCRCP 20

Customer Reviews & Testimonials

April 2018

I am happy that my FNB loan didn’t take too much time. I needed the money to attend to a serious financial emergency.

Puleng L
— Fochville —

October 2018

FNB ensured that I take a loan that I can handle. It didn’t want me to pressurize my budget.

Samantha J
— Pinetown —

January 2019

I was happy that FNB loan application system was convenient. Everything was easy and straight forward.

Tshepo L
— Kimberly —

September 2021

I have been banking with FNB for so many years. I can honestly say that the level of customer service keeps improving. I took a personal loan from them and I was satisfied beyond measure.

Pieterse C
— Benoni —

May 2021

I needed to get money urgently as a medical emergency struck me down. I do not bank with FNB but decided to get a personal loan from them. They were very helpful and sympathetic and I got the mon...

Sibeng J
— Cape Town —

November 2021

I just want to say thank you to FNB for always being there for me in times of financial difficulty. They are always finding ways to bring you better service. The personal loan I got from them was...

Conradie A
— Mosselbay —

FNB Contact

Physical Address

  • 13, Thebe Hoskins House, 4 Breda St & Mill Street, Gardens Cape Town Western Cape 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