Rating based on 41 reviews

FNB Bank


  • Personal loans up to R300,000
  • Low-interest starting from 10.5%
  • Repayment up to 60 months

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FNB Bank homepage

Author FNB Bank. Screenshot of FNB Bank website. [Accessed April 30, 2018]

About FNB Bank

We're one of the oldest and most popular banking firms in the country, not only because of our competitive services and financial products but, because we insist on delivering only the best customer service to all South Africans.

Choosing us means you choose progress, innovation and great service!

First National Bank is a corporation that is devoted to our customers and constantly upgrading our products, processes and systems when you work with us you know that you're getting only the best quick cash loan in South Africa.

What FNB Bank can offer you

With large loan amounts and low rates - there is simply no reason to look anywhere else.

If you need a personal loan to apply online by logging into your online banking and we will have you sorted in no time. If you've already been conditionally approved simply follow the link to approve the loan!

Borrow up to R150,000 with FNB Bank

We offer personal loans that range from R1,000 to R150,000 and interest rates as low as 10.5%! We offer loan terms of between 1 and 60 months - catering to both long and short-term loan needs with speed, professionalism and great rates! 

FNB Bank Personal loans

  • Loan Type Personal loans
  • Interest Rate from 10.5%
  • Loan Amount up to R300,000
  • Repayment 30 days to 60 months

Benefits of FNB Bank

  • Repayment up to 60 months
  • Fixed interest rate
  • Personal loans up to R300,000

Personal loans calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

We get straight down to business and ensure that you get the best possible deal for your circumstances

As the leading banking institution in the country, FNB Bank offers South Africans more than just affordable banking - we offer a better way of life for you and your family through our range of long and short term cash loans.

How much do you need to borrow?

When it's time to calculate your ideal loan amount it's best to do this based on both how much you need and how much you can afford in repayments per month.

The bigger the personal loan amount the lower the rate but, the longer you will have to pay interest.

You must have a good credit history to apply

In order to qualify for a loan with us, you will need to have a good credit history but, we may consider applicants who have missed a payment or two.

You will have to have a stable income and be able to prove that you have sufficient income at the end of the month to make the loan repayments.

Secured versus unsecured – what is the difference?

In the finance business you will come across the terms ‘secured’ and ‘unsecured’ quite frequently. When applying for a loan you can access either of these two options based on your financial circumstances and preferences. A secured loan requires the borrower to place an asset, such as your vehicle or home, as collateral when taking out the loan while an unsecured loan does not require any security. For this reason a secured loan allows you access to better rates and larger borrowing amounts than an unsecured loan. The option that you choose will depend on your affordability, current economic circumstances and the amount of money that you are looking to borrow.

Do it yourself with an FNB personal loan

Have you been putting off those home renovations? We understand the discomfort that accompanies borrowing which is why we suggest that you take a look at our loan options. Gone are the days of daunting paperwork, long queues and financial migraines. Our personal loans can help you to get exactly what you need when you need it. So, if you have been set on getting a pool fitted, retiling the kitchen or building on that extra bedroom for junior then we will help you to get it done. Finance does not have to be difficult!

man holding thumbs up

FNB Bank is a trusted & reliable provider of personal loans

In our review, FNB Bank adheres to the compliance criteria in accordance with NCA regulations, where the granting the loan will not cause financial distress to the consumer.

FNB Bank is a registered credit provider in South Africa: NCRCP16

Customer Reviews & Testimonials

March 2019

FNB has been dealing with my finances since I got my first bank account as a teenager. I am still completely satisfied with the service and products that I receive. FNB is not just a bank, they a...

Zolani F
— Sibasa —

October 2018

A personal loan from FNB helped me to build-on the extra room that we needed for our future child. One more worry to tick off the list. Thanks, FNB!

Peter W
— Musina —

April 2019

Online all of the time thanks to FNB! I work a lot of shifts and do not have the time to make it to the bank during the day. But thanks to FNB’s online banking I do not need to worry as I can sti...

Thandi J
— Polokwane —

FNB Bank Contact Details

Physical Address

  • 13, Thebe Hoskins House, 4 Breda St & Mill Street Cape Town Gardens 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