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Vehicle Finance

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Choice of fixed or variable rate

Prime lending interest rates can be volatile, so we are happy to offer you either fixed or variable rates linked to prime lending rate.

Fixed interest rate Variable interest rate
What does this mean?
  • Interest rate is fixed
  • Does not change throughout the duration of the loan
  • Interest rate may change over duration of the loan
  • It is linked to the prime interest rate
How does this affect my repayment?
  • Repayment amounts remain the same amount every month
  • Monthly repayment amount may vary depending on how the rate changes

Terms, conditions and rules apply.

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Instalment Sale or Lease Agreement

Choose the one that suits you best.

Instalment Sale Agreement

Means the vehicle is purchased from the dealer, or private seller but the bank owns the vehicle until you have finished paying it off. Monthly repayments are made over a specific period. When your final instalment has been paid, you take full ownership of the vehicle.

Lease Sale Agreement

Allows you to lease a vehicle from the financier with the option to buy the vehicle at the end of the agreement. Enjoy the use of the vehicle without outright ownership and the lease payments may be tax deductible.

Terms, conditions and rules apply.

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Comprehensive Insurance

Covers vehicle to protect the customer and FNB

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Cover Plus

The shortfall insurance which covers the difference that is owed to FNB and the insurance payout

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Customer Protection Plan (CPP)

Covers the outstanding balance in the event if death or permanent disability

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Vehicle Warranty

Covers mechanical breakdown after the manufacturer's warranty expires

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Qualifying criteria

  1. Permanently employed
  2. 18+ with a driving licence
  3. Earn at least R6 000 a month and have a clear credit record

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Documents needed

  • Proof of income (recent payslip or 3 months' payslip if you are self-employed)
  • A signed declaration in accordance with the NCA
  • A green bar-coded South African ID book/new ID card
  • South African driving licence
  • Proof of residence
  • If you are a foreigner, a valid passport, permits and international driving licence are required
  • Application for certification of roadworthiness
  • Application for licensing of motor vehicle
  • Application for registration and licensing of motor vehicles
  • Application in respect of licence number for motor vehicles
  • Notification of change of ownership, sale of motor vehicle
  • Application and notice in respect of business register number
  • Refugees will not be considered for vehicle finance

Private Vehicle Finance

Get trusted support through your vehicle purchase

Access to a network of FNB approved testing stations nationwide and the ability to buy or sell a vehicle privately, with personalised interest rates.

What this is

Drive your dream with hassle-free private vehicle finance

What this allows you to do

  • Buy or sell a vehicle privately
  • Finance a vehicle up to 20 years old
  • Finance a vehicle for at least R30 000 after deposit

Added value

Enjoy peace of mind and a smooth ride

Optional value adds available with your vehicle finance.

Retrenchment Policy

Pays up to 9 monthly instalments when you are involuntarily retrenched and remain unemployed



Deposit Protector

Pays back your deposit if the vehicle is stolen or written off



Courtesy Car Policy

Pays for the use of a courtesy car for up to 21 days if your car is stolen, written off or damaged



What's hot

Personalised interest rate

The interest rate is tailor made to suit you.



Immediate application feedback

Within 30 minutes you'll get an answer on the outcome of your application.



Registration handled by FNB

Registration from the buyer handled by FNB



Access to testing stations

Access to countrywide approved testing stations



Fixed or variable rate linked to prime

The choice is yours

Read More

Instalment Sale or Lease Agreement

Buy or sell privately

Read More

Insurance options

Make sure you're covered

Various cover options available to make sure you're always taken care of.

Comprehensive Insurance

Cover Plus

Customer Protection Plan (CPP)

Vehicle Warranty

Applying made easy

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Contact us

Qualifying criteria

Documents needed

Private Clients can apply through their banker

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Physical address

4 Merchant Place
Corner Fredman Drive and Rivonia Road
Sandton
2196

Postal address

PO Box 650149
Benmore
2010