Rating based on 65 reviews

FNB Vehicle Finance

Updated

  • Vehicle finance up to R200,000
  • Low-interest starting from 10.25%
  • Repayment up to 72 months

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FNB homepage

Author FNB. Screenshot of FNB website. [Accessed May 13, 2018]

Let FNB help you finance your dream car

FNB was established in 1838 and that makes it the bank with the most heritage in the country.

For many years, First National Bank has provided many South Africans with car loans that are not only affordable, but also offer ideal terms that meet the client’s needs, thus enabling them to purchase the vehicle of their dreams. We continue striving to serve our clients with the most competitive car loans on the market.

Always working hard for you

Our main objective has always been to provide clients with a level of top quality, personalized service. The Acacia tree is the official symbol of FNB and it shows the roots and it strengthens our bond with South Africa. We achieve this through constant hard work and care for our customers.  

At First National Bank we have some of the best recruitment policies. We strive to develop our people through appropriate training skills, further studies and skills development.  With one of the best customer service training programs, we ensure that our staff at FNB meet our customers with friendly, professional and efficient services at all times.

Online applications

FNB offers immediate application feedback, and these applications can be applied for online or at one of our banks. Once submitted, a representative will call you within 30 minutes to inform you of the outcome of your online loan application. You won’t find quicker service than this as you know almost instantly whether your application is successful or not.

Get affordable Vehicle finance with FNB

With one of the country’s largest and most technologically advanced banking institutions, we offer customers appropriate, affordable and advanced credit services and products.

Our services range from vehicle and home loans to everyday debit accounts. Our company is deeply rooted in South Africa and develops as a result of paying careful attention to our customers. We pride ourselves in delivering our best efforts to customers and also in supporting the community. 

FNB Car finance

We offer lease agreement finance to clients, which allows you to lease the car and either purchase it or return it at the end of the loan term. Our sale agreement offers you between 12 and 72 months to repay your loan at either a variable or fixed interest rate. With this type of vehicle finance, you own the car once the loan has been fully paid for.

Securing Vehicle finance with FNB

You can expect FNB to offer you great vehicle finance being one of the most reputable and largest banks in South Africa. We strive to make the vehicle purchasing process as stress-free and simple as possible.

Our website consists of articles of information that we recommend you read prior to applying for a loan with us. Always conduct the necessary research before applying for a loan and consider the financial and legal aspects as well as working out how much you can afford every month. Finally, use our helpful financial guides to assist you in purchasing a car.

FNB – Vehicle finance

  • Loan Type Vehicle finance
  • Interest Rate from 10.25%
  • Loan Amount up to R200,000
  • Repayment 160 days to 72 months

Benefits of FNB

  • Fixed interest rate
  • Comprehensive travel insurance
  • Revolving car loan

Vehicle finance calculator


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The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

FNB Car Finance – Only the best options for you

There is great flexibility when it comes to the interest rates of First National Bank. Both instalment sales and leases can be financed which gives you extra flexibility.

You can choose from a fixed and variable rate, and these rates are highly competitive, and determined by individuality.  If you want to own your vehicle at the end of the vehicle loan term, then you should opt for the instalment sale agreement which transfers ownership to you at the end of the vehicle loan term.

Eligibility and requirements

You’ll need to possess a valid identity document, a utility bill or other proof of address and three months’ bank statements or pay slips as proof of income. We perform a credit check and you will need to be employed full time and be earning a stable income.

Other products and services

We have saving accounts on offer, home loans, overdrafts and student loans. If you need insurance we have this on offer as well for both personal and business-related requirements. You can also simply apply for a bank account and credit card through FNB if that is what you’re after!

To sum it all up

We offer a Secured loan option that you can apply for online or instore with a processing time of 24 hours. Our terms vary from a minimum of 12 months to a maximum of 72 months.

man holding thumbs up

FNB is a trusted & reliable provider of vehicle finance

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: NCRCP20

Customer Reviews & Testimonials

July 2018

It only took me 30 minutes to apply for a car loan and I received my outcome immediately. First National Bank helped me buy my very first car and I will be forever grateful. Thanks so much for ta...

Alison D
— Cape Town —

December 2018

Being a student I didn’t ever think that I would be able to afford to buy a vehicle as I had no deposit and limited disposable income. I was happy to find your lease to own vehicle financing opti...

Kendall H
— Port Elizabeth —

November 2018

Buying a new car was a very daunting experience and I didn’t know where to start or how many options there were to consider when it came to vehicle financing. I was very impressed with the wealth...

Carter K
— Gordan Bay —

May 2019

FNB helped me find a low-cost demo vehicle that easily fit into my budget. There was a wide variety of options available and I was very happy to be able to obtain insurance directly from your com...

Ayden B
— Paarl —

FNB Contact

Physical Address

  • 3, First Place, Pritchard St & Simmonds St, Bank City Johannesburg Gauteng 2000 South Africa
  • Get Directions

FNB Universal Branch Code

  • 254005

Postal Address

  • PO Box 1153, Johannesburg, 2000, South Africa

Opening Hours

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