Please select


For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Please select


For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

Your login details have been entered incorrectly



Please note that on your third failed attempt, your profile will be blocked.

Username

Password

Forgot your login details?


Reset your Username or Password

Forgot your login details?





Reset your Username or Password

Your login details have been entered incorrectly



This is your third and last login attempt available.

Your profile will be blocked if you fail to enter your login details correctly.

Oh no!



We've noticed that you've tried to login more than 3 times.

This could help

Reset your Username or Password

You might have blocked your Online Banking Profile.

In order to unblock your profile, reset your username and password.

Get a free credit report


You can get a free credit report once a year from any of the major credit bureaus in South Africa.

These are:
- XDS ( www.online.xds.co.za )
- Experian ( www.experian.co.za )
- CompuScan ( www.compuscan.co.za )
- TransUnion ( www.transunion.co.za )
- Consumer Profile Bureau ( www.consumerprofilebureau.com )

Improve your chances


How to improve your chances of getting a loan

It is important to keep your financial house in order. The bank wants to know that you can make your monthly repayments. For this reason it looks at your income, your employment history and how you have been paying your bills.

The bank never wants to over indebt you with credit. There are checks in place to ensure that it does not lend you more than you can afford to repay and will always look out for your best interest.

Things to remember


  • When you have a loan, always keep your loan repayments up to date. This puts you in good standing for a further loan should you need it.
  • To avoid additional interest charges, make sure you always have enough money in your account for your loan debit order and that your debit order is the same date as your salary date. This avoids you skipping payments and you will be able to budget easier and have a good credit record.
  • Paying extra on your loan could help you settle your loan faster. You will pay less interest charges and you won't be charged a penalty fee if you settle your loan early.
  • Ensure that you read carefully through your loan Credit Agreement, so that you know exactly what your repayments will be, for how long and what you are covered for.

Overdraft


Your benefits
- You don't pay ANY fees if you don't use it
- No initiation fees
- Peace of mind knowing it's available as a safety net for debit orders each month

What you get
- A facility loaded on your bank account so you can dip into it when you need to Personalised interest rate

What are the requirements
- Be an FNB customer with an active FNB Cheque Account or Easy Account
- Be 18 years and older
- Be a permanent South African resident
- Pass affordability and credit scoring assessment

Credit Card


Your benefits
- Up to 55 days interest free
- Free Automatic Debt Protection up to R5 000
- Monthly coupons for shopping at Checkers & Shoprite
- Free Comprehensive Global Travel Insurance
- Flexible repayment options with auto-payment

What you get
- A means of daily transacting with a loaded limit
- Personalised interest rates
- eBucks rewards when you swipe

What are the requirements
- You must have an annual salary from R80 000

Personal loan


Your benefits
- Easy to manage with fixed monthly repayments.
- Take-A-Break every January from paying your instalment, giving you that much needed break from all the festive season spending. (Applicable to loans over 6 months and your loan must be up to date.)
- You are covered with our Customer Protection Plan, credit insurance that covers you in the event of death, permanent or temporary disability, dread disease and retrenchment (Cover applicable to loans over 6 months)
- There is no need to provide collateral to secure your loan
- Pay no penalty fees when you settle your loan account early

What you get
- A Loan for up to R200 000
- Choose your term, from 1 - 60 months
- Personalised interest rate

What are the requirements
- Be between the ages of 18 - 64
- Be a permanent South African resident
- Be permanently employed or self-employed
- Your salary needs to be paid directly into your bank account
- Pass affordability and credit scoring assessment

Customer Protection Plan


Life can be very unpredictable. In the event of your death, permanent or temporary disability, unemployment or inability to earn an income, our Customer Protection Plan (CPP) will ensure that you are taken of.

Terms, conditions and rules apply.

Fixed and variable monthly repayments


Budget easily by paying your minimum monthly instalment which will not change for the duration of your agreement, in other words, pay a fixed amount every month. You can also pay extra into your loan account any time when you can afford it, this will help you to pay your loan off sooner.

Customer Protection Plan


Life can be very unpredictable.

In the event of your death, permanent or temporary disability, unemployment or inability to earn an income, our Customer Protection Plan (CPP) will ensure that you are taken care of. Alternatively, you may cede a suitable credit life insurance policy if you wish to use your own insurance. Credit insurance is mandatory if you are repaying your loan.

Terms, conditions and rules apply.

Get a Top-Up on your existing Personal Loan


Top-Up your existing Personal Loan. Top-Up and get access to additional funds up to R300 000 and pay no initial fee.

Personal Loan


Get the money you need to reach your goals


Get a Personal Loan of up to R300 000 for planned or unplanned expenses. Whether you need extra money to help turn your house into your dream home, walk down the aisle or go on that well-deserved holiday, FNB has the right credit solution for your every need.

Your loan, your goals


Choose your loan amount + term


Have the freedom to choose a loan for up to R300 000 and pay it off over 1 − 60 months.

You can budget easily knowing that your repayment amount is the same each month and comes with a fixed interest rate that protects you from interest hikes.

Plus you can boost your eBucks Reward Level and get even more from FNB.

Click on the apply button and get the funding you need today.

 
 

Take-A-Break in January*


Keep your personal loan up to date and automatically get a well-deserved payment break every January. You can decide not to take a payment break by making your monthly payment and benefit from settling your personal loan quicker by saving on interest and fees.

You can use one of the following payment methods:

  • Electronic transfer into your loan account via the FNB App, Online, Cellphone Banking, or FNB ATM, or
  • Scheduled transfer into your loan account via the FNB App or Online, or
  • Deposit into your loan account at an FNB ATM or in branch.

*Only applicable to personal loan accounts on repayment terms of over 6 months and up to date with monthly repayments.

For additional information about Take-A-Break, refer to your signed Loan Credit Agreement under General Terms & Conditions.

Your benefits


Great value from FNB

Personalised interest rate

Get a tailored interest rate from as low as 13%.



Loan amount

Get a loan amount from R1000 - R300 000.



Fixed and variable monthly repayments

You can choose a fixed or variable payment option - or even both!

Read more

Customer Protection Plan

We make sure you are covered with our credit insurance.

Read more

No penalty fees on early settlement

FNB will not charge you any penalties if you settle your loan account early.



Switch your credit into one convenient personal loan


Credit switch helps you gain control of your finances by consolidating qualifying debt from various credit providers into one personal loan.

You could benefit and save with:

  • One monthly fee
  • One reduced monthly repayment
  • One personalised interest rate

+ we manage the switching process for you
+ you can manage your loan account easily 24/7 via the FNB app

Apply now to consolidate your credit today.

 

Be money wise


Know your credit score


Your credit score is a number the banks looks at that's 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 will be able to assist you in getting access to the money you may need for life events.

There are different credit scores for different purposes and your credit score may vary from day to day.

Get a free credit report

Improve your chances

Things to remember

 
 

Get a Top-Up on your existing Personal Loan


Get more and do more


You can do more of the things you want to do when you Top-Up your existing Personal Loan. Top-Up and get access to additional funds up to R300 000 and pay no initiation fee.

Get a Top-Up and:

  • Pay no initiation fee
  • Get a personalised interest rate from as low as 13%.
  • Get access to additional funds, up to R300 000.
  • Get a fxed repayment term of up to 60 months.
  • Boost your eBucks Rewards level.
  • Pay no penalty fees for settling your loan early.

Applying made easy


Personal Loan

Qualifying criteria

  1. You must be between the ages of 18 and 64
  2. Be a permanent SA resident
  3. Be permanently employed or self-employed
  4. Your salary must be paid directly into your bank account

How to get it

Apply now!

Other ways to apply

FNB Banking App
Cellphone Banking *120*321#
ATM
Contact us

Documents needed

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