Rating based on 40 reviews

Debt Consolidation offered by FNB

FNB banner
image of FNB

FNB is a registered credit provider with South Africa’s National Credit Regulator: NCRCP16

About FNB

At First National Bank we put our expert financial knowledge and competitive loan products to work to help people improve their financial situations.

If your debt is out of control and you're looking to consolidate, choose the company that has a reputation for success - choose FNB.

Competitive rates that offer you more for less

When it comes to competitive rates FNB offer South Africans only the best. You simply can't access a more affordable interest rate than that which we offer on our personal loans which are ideal for debt consolidation. If you want more for less coupled with great technology and fantastic customer service we're the lender for you.  

What FNB can offer you

We typically offer personal loans of between R1,000 and R150,000 with a competitive interest rate that will help you save money should you use it to consolidate unmanageable debts.

Although we do not specifically offer a consolidation product this loan is ideal for this purpose.

Payless on interest every month

Our low rate fast cash loans are ideal for use for debt consolidation purposes because you're likely to pay less in interest compared to the payments made on multiple high-interest debts. You can also increase the term of your loan to allow for lower monthly repayments which is typically what happens when you consolidate.  

Interest Rate

From 0 %

Loan Amount



Repayment Term

0 days

0 months

In a Nutshell

  •  Average processing time 48 hours
  •  Online application
  •  In-store application
  •  Unsecured loan option
  •  Secured loan option
  •  Early repayment

If your debt is out of control and you're looking to consolidate, choose the company that has a reputation for success

Provided that you have sent us all of your supporting documents, including valid proof of address and your completed application form we will be able to process your personal loan application within 48 hours.

You can apply by visiting your local FNB branch or by completing the loan application online via our website.

We're professional, responsible and will not let you down

As professional who is registered with the Financial Conduct Authority and strictly abide by the codes set out - we always ensure that the customers we work with are not bankrupt, blacklisted or in a bad financial situation that will be made worse by a debt consolidation loan. We also ensure customers who want to consolidate will actually benefit from the process rather than worsen their financial positions.

No time wasted

We understand the frustration that usually comes with getting a loan. This is why with us, we work hard to make sure that from the time you submit your application to the time when your funds are sent, you won’t have to wait for days- we get things done and we get things done fast.

We'll help you with your online application if you need it

If you choose to apply online you will still get a personal service just as if you were applying at one of our branches. Should you need a hand at any point with your application, simply get in touch and a friendly customer agent will answer your questions as quickly and efficiently as possible.

You can count on us

Our team is not only highly skilled and professional, but we are also human and therefore are understanding and compassionate. We like to listen to our customers, to take the time to get to understand your situation so that we can assess you more holistically and design a loan that will fit your circumstances. We hold ourselves to a very high standard and put a lot of effort into maintaining a customer service that is second to none. This hard work, dedication and complete commitment to you our customer is why you should trust us to help you with taking control over your debts.

Eligibility & Requirements

  •  Over 18 but under 65
  •  Employed full-time
  •  Credit check
  •  Good credit history
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • CREDIT Cards
  • HOME Loans
  • BUSINESS Loans
  • STUDENT Loans
  • DEBT Consolidation Loans

Customer Reviews & Testimonials

October 2018

I got a very affordable rate for my loan so I'm really pleased

Johan B
— Pretoria —

January 2019

I heard back from FNB so quickly which was great because I didn't have to wait long to hear the outcome of my application.

Siyabonga N
— Bloemfontein —

March 2019

FNB's customer service is amazing. I had to call customer care because I needed clarity with something regarding my application. The lady who helped me was just so wonderful, it felt like I was t...

Mari-Ann R
— Polokwane —

 Find us here

13, Thebe Hoskins House, 4 Breda St & MILL Street, Cape Town
South Africa

 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 –

 Get in contact