Get personalised credit of up to R300 000 in minutes, with an interest rate from as low as 12.25%* per annum. Whether it is for your larger planned or unplanned expenses, we have the right credit solution for you.
Whether it's for your personal needs or emergency, using the right credit for the right reasons can change your life.
Whether you need the extra funds to pay for building material or pay transfer and attorney costs, a personal loan could be the right credit solution for you.
If you are concerned about how you are going to pay for your medical bill, we have got you covered with an FNB Personal Loan. Apply online through our convenient application process which pays out in minutes.
Are you worried that you may need more funds to make your special day more memorable? Apply now to see if you qualify for a personal loan.
If you need access to funds to pay for unforeseen maintenance costs and shortfall on your vehicle finance, let us help you with a personal loan.
Do you have multiple credit agreements and are currently paying different sets of fees? Consolidate your credit with an FNB Personal Loan and save by paying one set of fees, one interest rate and one monthly repayment.
Get a tailored fixed interest rate from as low as 12.25%* per annum.
Your repayment amount stays the same each month with up to 60 months to pay.
FNB will not charge you any penalties if you settle your loan early.
Keep your personal loan up to date and automatically get a well-deserved payment break every January.
We make sure you are covered with our credit insurance.
*Only applicable to personal loan accounts on repayments terms of over 6 months and up to date with monthly repayments.
The estimated monthly repayment on a R30 000 loan taken over 24 months at an interest rate of 18% per annum would be R1 796, which includes all services and initiation fees.
Access to additional funds up to R300 000.
Save on fees when you top up your loan instead of taking up a new loan.
Your credit score is the number used by financial institutions to determine whether you qualify for credit based on your credit history.
This number is an indication of how well you handle your credit, such as paying bills on time and how long you have had credit for.
It's always important to know what your credit score is, as this shows the bank that you are a good customer and enables us to assist you in getting access to the money you may need for life events.
When you top up instead of applying for a new loan, you:
Let's say you took a personal loan with FNB to renovate your home three years ago. Now you need more funds for emergency medical expenses.
Option 1 - take out another loan
R1 207.50 initiation fee paid upfront
Pay R69 service fee monthly
R1 207.50 initiation fee paid upfront
Pay R69 service fee monthly
The existing loan is closed and the remaining 2 years of the loan balance is moved into your Top Up loan. No monthly service fee is then charged for the last 2 years -
Saving you R1 656 service fees from those last 2 years.
So, you pay one set of R69 monthly service fees.
Plus, you don't pay a R1207.50 initiation fee.
