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Find a branch


How to switch your credit online


  • Step 1: Close this page and select 'Apply now'.
  • Step 2: Select 'I have Online Banking with FNB' and log in, OR select 'I don't bank with FNB', OR 'I don't have FNB Online Banking', fill in your details and select 'Proceed'.
  • Step 3: You will be directed to the FNB Personal Loan application page, fill in your details and select 'Continue'.
  • Step 4: You will be presented with a screen displaying your income, expenses and total credit agreements, and be requested to select your preferred offer. Select the 2nd option 'Switch/Customise'.
  • Step 5: Select 'Yes' to the question: "Would you like to consolidate your debts?"
  • Step 6: Select the qualifying debts you would like to consolidate and then select 'Continue'.

You will now be redirected to the standard FNB Personal Loan application process. Complete the process and we will settle the third-party accounts on your behalf!

Note: The outstanding amounts will be deposited directly into the third-party credit providers' accounts to settle the debts. If you choose a higher loan amount than what is required to settle each of the selected debts, the balance will be deposited directly into your account.

Gain more control over your credit


Credit Switch enables you to consolidate your qualifying debt from various credit providers into one convenient Personal Loan.
Enjoy one lower monthly repayment, one interest rate and one set of fees. The hassle and stress of having to deal with multiple
credit providers will be something of the past.

Let us help you manage your credit more effectively and watch your money go further.
Consolidate your credit today.

How it works


 

Switch your credit online


Follow these simple steps to switch your credit online.

Applying made easy


Credit Switch

Applying made easy

To qualify, you need to be permanently employed or self-employed with a minimum net salary of R1 800 p.m.

How to get it

Apply now!

Other ways to apply

Complete the call me back form

Find a branch

Call your Private Banker

Documents needed

If you do not bank with FNB:

  • South African green bar-coded ID or Smart ID card
  • Your most recent payslip
  • Proof of residence not older than 3 months
  • 3 months bank statements (or 6 months bank statements for self-employed customers)

If you do bank with FNB:

  • We may require your green bar-coded ID or Smart ID card if we do not have it already