FNB Personal Loan

Get personalised credit of up to R450,000 in minutes, with a personalised interest rate. Whether it is for your larger planned or unplanned expenses, we have the right credit solution for you.

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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.

Turn your house into your dream home

Whether you need the extra funds to pay for building material or pay transfer and attorney costs, a personal loan could be the right credit solution for you.

Pay for that medical expense

If you are concerned about how you are going to pay for your medical bill, we have got you covered with an FNB Personal Loan. Apply online through our convenient application process which pays out in minutes.

Pay for your wedding

Are you worried that you may need more funds to make your special day more memorable? Apply now to see if you qualify for a personal loan.

Pay for vehicle related expenses

If you need access to funds to pay for unforeseen maintenance costs and shortfall on your vehicle finance, let us help you with a personal loan.

Consolidate your credit

Do you have multiple credit agreements and are currently paying different sets of fees? Save by paying one set of fees, one interest rate and one monthly repayment. The credit switch initiation fee will be waived from 1 July 2026.

Features and benefits

Personalised interest rate*

Get a tailored fixed interest rate. For short-term loan (1-6 months) maximum interest up to 5% per month (NCA max). For long-term loan (1-66 months) minimum interest 15.15% and maximum interest 28.00% per annum (NCA max).

Fixed repayments

Your repayment amount stays the same each month with up to 72 months to pay. Budget easily by paying a fixed minimum monthly instalment every month which will not change for the duration of your agreement. You can also pay extra into your loan account any time when you can afford it. This will help you to pay your loan off sooner.

No penalty fees

FNB will not charge you any penalties if you settle your loan early. You can choose to pay extra whenever its suitable for you, or even settle your personal loan without paying any penalties.

Take-a-break in January**

Keep your personal loan up to date and get a well-deserved payment break every January. You can decide not to take a payment break and pay your monthly instalment, settling your personal loan quicker and save on interest fees. Either transfer or do a scheduled transfer into your loan account via the FNB App, online banking, cellphone banking, or deposit at an FNB ATM or in-branch.

Credit life insurance

Credit insurance is mandatory if you are repaying your long-term loan. In the event of your death, permanent or temporary disability, retrenchment, or inability to earn an income, our Customer Protection Plan (CPP) will provide you with the necessary cover for your convenience. Alternatively, you may cede a suitable credit life insurance policy if you wish to use your own insurance.

Earn more eBucks

Have an FNB Personal Loan or Student Loan with a qualifying minimum limit**, an active DebiCheck mandate, and make your repayments via a monthly debit order from your FNB Fusion or Current Account to earn up to 1 000 eBucks points.

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.
Monthly credit life insurance premium (where applicable): R100. Monthly service fee: R69.
Once-off initiation fee (where applicable): R1,207.50.
Total cost of credit: R41,445.

Credit Switch

Gain more control over your credit.

Top up your existing FNB Personal Loan

Save R1,207 or more when you top up your existing FNB Personal Loan. Access additional funds up to R450,000 and save on fees when you top up your loan instead of taking up a new loan.

Top up to save

When you top up instead of applying for a new loan, you avoid paying another initiation fee of up to R1,207.50. Save by paying just one R69 monthly account fee. Depending on when in your current loan term you top up, this will save you between R69 and R4,554.

Option 1 - take out another loan: R1,207.50 initiation fee paid upfront plus R69 service fee monthly on each loan.

Option 2 - SAVE when you TOP UP your existing FNB loan: The existing loan is closed and the remaining 2 years of the loan balance is moved into your Top Up loan.
No monthly service fee is then charged for the last 2 years - Saving you R1,656 service fees from those last 2 years.
So, you pay one set of R69 monthly service fees.
Plus, you don't pay a R1,207.50 initiation fee.

Know your credit score

Be wise. 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.

Money management tips

FAQs and important information

Get a complimentary credit report

You can get a complimentary credit report once a year from any of the major credit bureaux in South Africa.

How to improve your chances of getting a loan

It is important to keep your financial house in order. The bank wants to know that you can make your monthly repayments. For this reason it looks at your income, your employment history and how you have been paying your bills. The bank never wants to over indebt you with credit. There are checks in place to ensure that it does not lend you more than you can afford to repay and will always look out for your best interest.

Things to remember

When you have a loan, always keep your loan repayments up to date. This puts you in good standing for further credit should you need it.
To avoid additional interest charges, make sure you always have enough money in your account for your loan debit order and that your debit order is the same date as your salary date. This avoids you skipping payments and you will be able to budget easier and have a good credit record.
Paying extra on your loan could help you settle your loan faster. You will pay less interest charges and you won't be charged a penalty fee if you settle your loan early.
Ensure that you read carefully through your Loan Credit Agreement, so that you know exactly what your repayments will be, for how long and what you are covered for.

Get a personal loan

Apply on the FNB App, on cellphone banking - dial *120*321#. Alternatively contact your Private Advisor or contact us on 087 730 5596.

Qualifying criteria

•You must be 18 years or older

•Be permanently employed or self-employed

•Be a permanent SA resident

•Your salary must be directly paid into your bank account

Required documents

No documents required, provided that the following information is up to date.

•South African green barcoded ID or smart ID card

•Been receiving a stable income into your FNB account for at least 3 months

•Proof of residence not older than 3 months

•Note that if your income changes, you may be required to submit your latest 3 months proof of income.

•If you are not an FNB customer:

•South African green barcoded ID book or smart ID card

•Proof of residence not older than 3 months

•Proof of income (Latest 3 months' payslips or 3 months' bank statement; or ITA 34- or 3-months bank statement if you're self-employed)

Get it now

Apply for a personal loan in just a few easy steps.

Apply now

Frequently asked questions

Get in touch

Call us on 087 730 5596

Find your nearest branch

*Pricing at the current prime rate. **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. Terms, conditions and rules apply.