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  • Short-term Loans up to R150,000
  • Low-interest starting from 13%
  • Repayment up to 60 months

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Author FNB. Screenshot of FNB website.
[Accessed May 11, 2023]

About FNB

First National Bank (FNB) is one of the largest banking institutions in South Africa. Established in 1838, FNB has been providing banking and financial services to South Africans for over 180 years.

As a subsidiary of the FirstRand Group, FNB prides itself on being a forward-thinking and innovative financial institution that strives to meet the diverse needs of its customers.

A rich history of innovation

FNB has a long and storied history of innovation in the financial sector. The bank was the first in South Africa to introduce online banking and mobile banking, and it was also the first bank in the world to introduce biometric authentication technology.

With a focus on customer-centric solutions, FNB has remained at the forefront of banking technology and continues to lead the way in digital innovation.

Exceptional customer service

At FNB, customer satisfaction is a top priority. The bank offers a range of customer service channels, including online banking, telephone banking, and in-branch assistance.

FNB also has a dedicated team of customer service professionals who are available to assist customers with their banking needs. With a commitment to exceptional customer service, FNB is dedicated to building strong and lasting relationships with its customers.

Innovative technology

FNB is known for its innovative use of technology, and the bank is constantly developing new solutions to help its customers manage their finances more efficiently.

From biometric authentication to online and mobile banking, FNB's technology solutions are designed to make banking more accessible and convenient. With a focus on digital innovation, FNB continues to lead the way in the financial sector.

FNB Services

FNB, one of the leading banks in South Africa, offers a range of short-term loans to meet the varying needs of its customers.

These loans are designed to provide quick and convenient access to funds for unexpected expenses, emergencies, or other short-term financial needs.

A wide range of short-term loans

FNB offers several types of short-term loans, including personal loans, revolving loans, and overdraft facilities. The loan amounts and terms vary depending on the type of loan and the borrower's financial profile.

Personal loans can be taken for amounts up to R300,000 with a repayment term of up to 60 months.

Revolving loans provide access to a line of credit up to R250,000, while overdraft facilities allow you to overdraw your account up to an agreed limit.

Short-term loans offered by FNB

FNB offers short-term loans, which are designed to meet your immediate financial needs. These loans are typically unsecured, meaning you don't need to provide collateral to secure the loan.

The loan amounts range from R250 to R150,000, and the repayment terms range from 1 to 60 months. You can use the loan for any purpose, including paying bills, home renovations, or unexpected expenses.

Competitive interest rates and fees

The cost of borrowing money from FNB depends on various factors, including the loan amount, repayment term, and your creditworthiness.

The interest rates for short-term loans range from 13% to 27.5% per annum, and you may be charged a once-off initiation fee. FNB also charges a monthly service fee.

FNB – Short-term Loan

  • Loan Type Short-term Loans
  • Interest Rate 1327.5% p/a
  • Loan Amount up to R150,000
  • Repayment 30 days to 60 months

Benefits of FNB

  • No hidden fees
  • Easy online loan application
  • Flexible repayment terms
  • Affordable loan options

Short-term Loan calculator

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

Comprehensive financial solutions: From personal to business products

FNB offers its short-term loans through a variety of channels, including online banking, mobile banking, and branches.

This makes it easy and convenient for you to apply for a loan or access your money when you need it. Additionally, FNB offers flexible repayment options, allowing you to make additional payments or pay off your loan early without penalty.

Step-by-step instructions on applying for a short-term loan with FNB

For Existing Customers:

  1. Log in to your lender's website using your login credentials.
  2. Navigate to the loan application page.
  3. Fill out the loan application form with the required information, including the loan amount, repayment term, and purpose.
  4. Review and submit the application.
  5. Wait for the lender to review your application and approve or decline it.
  6. If approved, sign the loan agreement and receive the funds.

For New Customers:

  1. Research and select a lender that fits your needs and requirements.
  2. Visit the lender's website and navigate to the loan application page.
  3. Fill out the loan application form with the required information, including personal and financial details, the loan amount, repayment term, and purpose.
  4. Review and submit the application.
  5. Wait for the lender to review your application and approve or decline it.
  6. If approved, sign the loan agreement and receive the funds.

FNB offers various methods for applying for a short-term loan, including online, through the FNB banking app, or by visiting a branch. This makes it convenient for you to apply for a loan regardless of your location or access to technology.

Qualifying for an FNB loan

To qualify for a short-term loan with FNB, you must be a South African citizen or a permanent resident over the age of 18, have a regular monthly income, and meet FNB's credit requirements.

You must also have a valid South African ID or driver's license and an active bank account with FNB.

You’ll need to provide proof of income, such as a recent payslip or bank statement. You’ll also need to provide a copy of your ID or driver's license, proof of residence, and a recent bank statement.

FNB offers a quick and easy online application process

To apply online, visit their website and fill out the application form. Once you've submitted your application, FNB will review your information and provide a response within a few minutes. If your application is approved, the funds will be deposited directly into your bank account.

A focus on education, health and community development

Through various Corporate Social Investment (CSI) initiatives, the bank strives to uplift and empower South Africans. FNB's CSI initiatives focus on education, health, and community development, and the bank is dedicated to building a brighter future for all South Africans.

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FNB is a trusted & reliable provider of short-term loans

In our review, FNB adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ FNB is a registered credit provider in South Africa: NCRCP3377

FNB Contact

Physical Address

  • 3, First Place, Kerk &, Simmonds St, Bank City Johannesburg 2000 South Africa
  • Get Directions

FNB Universal Branch Code

  • 254005

Postal Address

  • PO Box 1153, Johannesburg, 2000, South Africa

Opening Hours

  • Monday 09:00 – 15:30
  • Tuesday 09:00 – 15:30
  • Wednesday 09:00 – 15:30
  • Thursday 09:00 – 15:30
  • Friday 09:00 – 15:30
  • Saturday 08:30 – 11:30
  • Sunday – Closed