Rating based on 24 reviews



  • Short-term loans up to R150,000
  • Low-interest starting from 10.5%
  • Repayment up to 60 months

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FNB homepage

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

About FNB

As one of South Africa's largest and most respected banking corporations our products and services reflect the needs of our customers.

If you need a short-term loan and have no time to pop into a branch to apply for it - FNB have the perfect credit solution for you.

Building relationships with our valued customers

We believe that the key to the success of our business is in working just as hard to develop a good, long-term relationship with our customers as providing affordable and flexible quick loans. We work hard to let you know that we're here to help! 

What FNB can offer you

FNB offers South African's low fee banking accounts, check and overdraft accounts, reward bearing credit cards, savings and investments accounts.

They are designed to help you reach your financial goals and personal loans with flexible loan amounts and loan terms that will work with your budget and meet your needs.

Need a temporary loan?

FNB understands that life happens and that when it does you need a financial partner by your side that can provide you with the quick loan that you need.

We offer a temporary loan that you can repay within 31 days. With this loan, you do not need to fill out any paperwork and you must be an existing FNB customer.  

FNB Short-term loans

  • Loan Type Short-term loans
  • Interest Rate from 10.5%
  • Loan Amount up to R150,000
  • Repayment 30 days to 60 months

Benefits of FNB

  • Apply in 3 easy steps
  • Short-term loans up to R150,000
  • Low-interest rates starting from 10,5%

Short-term 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.

FNB has the perfect short-term credit solution for you

If you are an existing FNB customer you are likely already approved for one of our very handy temporary loans.

If so, all you need to do is click on the link and accept the terms and conditions for your loan to be instantly credited to your account. If you require a larger loan than our temporary loan offer or need a longer repayment term you can apply for a personal loan online.

Is a personal loan right for you?

If you need a loan that ranges from R1,000 and R150,000 and would like a longer repayment term than our personal loans are ideal for you.

FNB offer some of the lowest interest rates in the country and can provide you with up to 60 months to repay the loan. To apply all you need to do is visit your local FNB branch or log into your online banking account and fill in our online loan application.

Why was my loan application turned down?

The reason we require the customer to provide us with their personal details as well as their bank statements is so that we can if they are in good financial standing to handle another credit plan. If we see that you are already paying for too much advances, we might have to decline your advance at least until you have finished paying off certain expenses off.

The last thing we want to do is give you more than you can pay for. There wouldn’t be any justice served to you in that case. Instead, we want to give our clients practical financial plans that will be easy to pay off without falling short on any other credit plan.

Can I apply for two loans at a time?

If you feel you can afford an additional loan, we will approve your application. It is important that you meet all your financial obligations because failure to do so will render your credit profile is bad record.

We always advice our clients to first finish paying off one credit plan before applying for the next. FNB will never stand in your way if your credit and affordability ranks are in good order.

man holding thumbs up

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

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

FNB is a registered credit provider in South Africa: NCRCP16

Customer Reviews & Testimonials

February 2019

FNB has one of the quickest and most convenient ways of applying for a short term loan.

Nokwanda M
— Queenstown —

April 2019

I was assisted by one of the most patient agents FNB has! Thank you so much for your help.

Johan P
— Potchefstroom —

FNB Contact Details

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 16:00
  • Tuesday 09:00 – 16:00
  • Wednesday 09:00 – 16:00
  • Thursday 09:00 – 16:00
  • Friday 09:00 – 16:00
  • Saturday 08:30 – 12:00
  • Sunday – Closed