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Student loan

An FNB Student Loan offers you the help you need

 

Reach your potential while enjoying the benefit of a personalised interest rate and an interest only repayment, for a 12 month period.

Features and benefits

An FNB Student Loan can be used for tuition fees, accommodation, equipment, other study material and devices.

 

Loan amount

Get personalised credit of up to R300 000 to help fund your studies.

 

Personalised interest rate

Get a tailored interest rate from as low as 6.75%* per annum

Tell me more
 

Flexible payment options

Pay only interest and fees for a 12 month period and then start repaying interest, fees, charges and capital thereafter.

 

Credit life insurance

We make sure you are covered with our credit insurance.

Tell me more


You may apply for additional funds on an annual basis if you are studying over more than one year.

Applying made easy

Get it now

What you need to apply

  • Qualifying criteria
  • How to get it
  • Documents required

Download the app

 

Qualifying criteria

  1. You must be 18 years and older

  2. Principal debtor must be permanently employed or self-employed

  3. Be a permanent SA resident

  4. Your salary must be paid directly into your bank account

  5. The student must be registered with a recognised tertiary institution

  6. Your application is subject to a pre-qualifying assessment

 

Documents required

Documents required for an FNB customer

  • Proof of enrolment from the educational institution / proof of registration

  • Student ID

Documents required for a non-FNB customer

  • South African green bar-coded ID or smart ID card

  • Latest 3 months' payslip or 3 months' bank statement (latest 6 months' bank statements and ITA34 for self-employed customers)

  • Proof of residence not older than 3 months

  • Proof of enrolment from the educational institution / proof of registration

  • Student ID

 

Credit life insurance

Life can be very unpredictable

Credit life insurance is compulsory for the student loan. Our Customer Protection Plan covers the principal debtor and student in the invent of death, temporary and permanent disability, retrenchment or inability to earn income. Alternatively, you may provide a suitable credit life insurance policy if you wish to use your own.

 

Personalised interest rate

Personalised interest rate from a minimum of 6.75% (prime less 0.5%) and maximum of 11.47% (prime plus 4.5%) based on your credit/risk profile.

*Pricing at the current prime rate

 

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 and to pay your monthly instalment, thereby settling your personal loan quicker and save on interest fees.

You can use one of the following payment methods

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

  • Scheduled transfer into your loan account via the FNB App or Online Banking.

  • 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.

 

How to get it

  • Complete the 'Call me back' form and a consultant will be in contact with you within 3 business days.
First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).