Rating based on 70 reviews

FNB Loans

Updated August 8, 2023

Short-term loans up to R60,000
Low-interest starting from 10.5%
Repayment up to 60 months

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

FNB Loans – Your banking finance partner

Offering some of the best short-term loans in South Africa, they're one of the top five leading banks.

They pride themselves on offering the best products and delivering the excellent service you deserve. With their incredible terms, it’s no wonder they're the number one choice for loans.

You'll have access to incredible credit facilities at any of their FNB ATMs, and branches, or through their advanced online banking system.

Financing options that are quick and straightforward

The amount of cash that you can qualify for depends on your credit profile and is subject to credit approval.

FNB offers loans that are straightforward and seamless to suit your finances. You'll be assisted with all your financial decisions from managing your daily cash flow to paying for your dream home.

FNB will help you structure your loan and manage your financial challenges and payments to prevent you from falling behind on instalments.

Excellent loan rates

If you're looking for a short-term loan that's affordable, FNB will be a great choice.

You'll be offered the best possible rates to suit your budget. With their transparent fee structure, you always know exactly what you're paying for.

FNB – Let us help you

FNB will help you make ends meet. You can use the short-term loan for any purpose you desire. From covering unexpected bills to fixing your vehicle.

The loan amount ranges from R100 to R10 000 with one initiation fee, and this will vary per loan amount up to a maximum of 13% with a repayment term of 31 days.

You can manage the repayments of your loan with deposits into your transactional account under your scheduled payments.

eBucks will offer you endless opportunities

With eBucks you earn rewards from FNB and its retail partners when you show your card. You can purchase anything from electronics to household items.

When you pay with your qualifying FNB card you'll automatically earn eBucks from the partner, and the bank, without showing your card.

The FNB Banking App makes banking effortless

The banking app will allow you to access your bank account, make payments and transactions and so much more. You can download the app on App Gallery, Google Play, and App store. Make use of the app anywhere and anytime and it's completely safe and secure to use.

If you want to ask a banking question or need advice you can use the secure chat options and chat with one of their professional and friendly agents.

FNB Loans – Short-term loan

Loan Type Short-term loans
Interest Rate from 10.5%
Loan Amount up to R60,000
Repayment 30 days to 60 months

Benefits of FNB Loans

Choose between loan options
Reliable short term loans
Competitive interest rates

Short-term loan calculator

FNB Loans Online – Tailor-made & flexible loan options

It's your choice on how you want to deal with them, whether it's via telephone, face-to-face or through internet banking or email.

They'll always assist you with excellent service and ensure that the short-term loan you have in place has maximum benefits.

Criteria to apply

An existing customer
Over the age of 18
South African Citizen with a valid ID
Meet income requirements
Demonstrate affordability

Follow these steps to get your short-term loan

Fill in an online loan application form and make sure you attached your ID document to verify your details.

They'll make sure all your details are correct and that you match the lending criteria. They'll then send you an OTP to your cell number.

If you're approved for a short-term loan and you accept the quote they offer you, the money will be deposited into your account.

Simple, rapid, and secure

It's easy for you to apply for a loan through their user-friendly platforms and simple and affordable payment plans.

Why wait? Get access to funds today and sleep better tonight knowing you can afford those things you need in life. Apply with FNB today. They care about your finances.

Benefits when you apply for a loan with FNB Loans

Safe and secure internet banking
Short-term loans up to R10 000
Choose between loan options
Reliable flexible loans
Competitive interest rates

FNB Loans is a trusted & reliable provider of short-term loans

In our review, FNB Loans 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 Loans is a registered credit provider in South Africa: NCRCP 3377

Customer Reviews & Testimonials

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March 2019

From the moment that I stepped onto their premises I knew that I was in the right place for my finance to be dealt with correctly. Their staff is friendly, professional and highly knowledgeable. ...

Charmaine S
— Uitenhage —

April 2019

Flexibility is what I love in my finance and FNB was able to do just that for me. The loan that they organised for me was unique for my situation and suited my exact preferences. Thank you for be...

Asanda M
— Rustenburg —

February 2019

FNB has a loan for every situation. This is not my first loan from them and it will definitely not be my last. Their rates are fair, their deals are spectacular and they are always looking out fo...

Ashleigh P
— Kimberley —

June 2021

Flexibility is what I love in my finances and FNB was able to do that for me. The loan that they organised for me was unique to my situation and suited my exact preferences. Thank you.

Makubuya A
— Uitenhage —

October 2021

FNB has a loan for every situation. This is not my first loan from them, and it will not be my last. Their rates are fair, their deals are spectacular, and they are always looking out for you.

Adams R
— Kimberly —