Rating based on 6 reviews


  • Personal Loans up to R300,000
  • Low-interest starting from 14.25%
  • Repayment up to 60 months

In-page navigation

FNB homepage
Author FNB. Screenshot of FNB website.
[Accessed May 4, 2023]

About FNB

FNB’s history can be traced back to 1838 when the bank was founded in the Eastern Cape. Since this moment in time, their history their story has been centred around adaptation, change, and ultimately survival.

The defining merger of 1998

A merger between Anglo American and Rand Merchant Bank Holdings in 1998 gave birth to the leading lender we all know and love today.

Who is FirstRand Bank?

FirstRand Bank is the holding company of some of the country’s leading financial services providers including FNB, WesBank, RMB, and Ashburton. They’re listed on the JSE and Namibian Stock Exchange and are currently one of the top three banks in the country.

Sustainability and a focus on the environment

FNB has a two-fold approach to doing its part to protect the environment. These two approaches are governed by their health and safety and risk policies.

Their health and safety policy addresses the banking giants' impact on the environment as a result of their own operations. In practice, this takes the form of paper and water-saving initiatives which have, since their inception

Their indirect impact is governed by their lending and business development practices via their risk policy.

To ensure compliance with environmental legislation they are independently audited by PricewaterhouseCoopers as well as internally by their own compliance auditors.

FNB’s core values

FNB’s values are centred around Ubuntu with a major focus on transparency and accountability. They are also driven to maintain profitability and expand their operations through innovation.

They currently offer South Africans a variety of world-class services across the banking, insurance, and investment sectors. With hundreds of products and offers, they’re one of the country's most innovative and expansive credit providers and a company you want to deal with.

FNB Services

FNB offers personal loans of up to R300,000 and, should you need to borrow more money while still paying your existing loan, you can top up your loan. This means you don’t incur additional fees.

From personal loans and revolving credit to home loans and vehicle finance, you truly can have all your needs taken care of under one roof with FNB.

FNB personal loan: Flexible and convenient

Interest rates are personalised to your credit profile and range from 14.25% p/a to 26.50% p/a with loan terms of up to 60 months.

One of the greatest features offered by their loan is the fixed monthly repayments. This not only allows you to budget more easily but ensures that you can manage your repayments long-term.

You also have the option of repaying your loan earlier by paying a little extra toward your balance as and when you like. If you want to completely settle your loan you can do this with no penalties.

FNB’s January repayment holiday

You can also take a repayment holiday in January if you've found the festive season to have taken a toll on your budget.

Your Customer Protection Plan

The Customer Protection Plan is included with all long-term personal loans (those with terms over 6 months) and will cover you in the event that you pass away, are permanently or temporarily disabled or lose your job.

How you can use your loan

You are free to use your personal loan in any way that you deem fit. From refurbishing and furnishing your home to paying for critical medical procedures and expensive bills, your loan is yours. You may even use your loan to consolidate your debt.

Need a short-term loan?

In addition to the affordable FNB personal loan, you can also apply for a short-term loan with repayment terms ranging from one to six months and a maximum interest rate of 5%.

FNB – Personal Loan

  • Loan Type Personal Loans
  • Interest Rate 14.2526.50% p/a
  • Loan Amount up to R300,000
  • Repayment 1 month to 60 months

Benefits of FNB

  • Personalised interest rates
  • Fixed monthly repayments
  • No penalty fees
  • Credit life insurance

Personal Loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

How to successfully get approved for a FNB personal loan

When applying for an FNB personal loan you must be able to demonstrate that you have a good credit score and affordability.

Your credit score is simply an indication of your current financial status and indicates how you have managed your debts as well as how much debt you have. A good credit history with good management of debts will ensure you quickly get loan approval.

In terms of affordability, all credit providers are required to ensure that you can actually afford to service the loan you’re taking out. This means that after considering your income and expenses you are able to service your new loan repayments.

FNB personal loan qualifying criteria

  • Aged 18 or over
  • Be a South African citizen or permanent resident
  • Be employed or self-employed with a stable income
  • You must be able to show your monthly income is paid into the same account every month

Supporting documents needed to apply for a loan with FNB

  • Your South African ID
  • Proof of address
  • Your payslips or bank statements proving income
  • If you’re not a citizen you will need to provide a copy of your passport and a valid visa

If you're an existing FNB customer all you need is to provide a copy of your ID, proof of income or your ITA 34. Self-employed people must provide at least 6 months' worth of bank statements.

Ways to apply for an FNB loan

The best way to apply for a loan if you’re an existing customer is to make use of your banking app and follow the prompts.

The banking app can be downloaded from the Apple App Store or via Google Play. They also currently allow those who are not FNB customers to apply for a personal loan via their official website.

You can also use cellphone banking if you’re registered or visit a branch. FNB private clients are encouraged to contact their private bankers for speed, effortless assistance.

FNB Contact

Physical Address

  • Thebe Hoskins House, Breda St & Mill Street Gardens Cape Town 8001 South Africa
  • Get Directions

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday 08:30 – 13:00
  • Sunday – Closed