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

Switch to FNB

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Corporates + Public Sector

Corporate Public Sector

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Apply for a personal loan in just a few easy steps

Get personalised credit of up to R300 000 in minutes, with an interest rate from as low as 12.75% per annum. Whether it is for your larger planned or unplanned expenses, we have the right credit solution for you.

How a personal
loan can help you

Whether it's for your personal needs or emergency, using the right credit for the right reasons can change your life.

Features and benefits

Personalised interest rate

Get a tailored fixed interest rate from as low as 12.75% per annum.

Fixed repayments

Your repayment amount stays the same each month with up to 60 months to pay.

No penalty fees

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

Take A-Break in January*

Keep your personal loan up to date and automatically get a well-deserved payment break every January.

Credit life insurance

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.

Estimated loan repayment

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.

Credit Switch

Gain more control over your credit

Consolidate your qualifying credit from various credit providers into one convenient personal loan.

Top up

Pay no initiation fee when you top up your existing FNB Personal Loan

What you get

Access to additional funds of up to R300 000, plus you also save on fees by paying one set of fees, one interest rate and one monthly repayment.

How to get more and do more

  • Ensure all your accounts are up to date
  • Don't take up more credit than you need
  • Track your credit health regularly using nav» Money on the FNB App

Be money wise

Know your credit score

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.