Apply for a personal loan in just a few easy steps

Get personalised credit of up to R360 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 expected / unexpected
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 and enjoy one monthly repayment

Do you have multiple credit agreements and are currently paying different sets of fees? Consolidate your credit with an FNB Personal Loan and save by paying one set of fees, one interest rate and one monthly repayment.

Features and benefits

Personalised interest rate

Get a tailored fixed interest rate.

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Fixed repayments

Your repayment amount stays the same each month with up to 72 months to pay.

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No penalty fees

FNB will not charge you any penalties if you settle your loan early.

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Take-A-Break in January*

Keep your personal loan up to date and automatically get a well-deserved payment break every January.

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Credit life insurance

We make sure you are covered with our credit insurance.

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*Only applicable to personal loan accounts on repayments terms of over 6 months and up to date with monthly repayments.

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.

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Credit Switch

Gain more control over your credit

Top up

Save R1 207 or more when you top up your existing FNB Personal Loan

What you get

Access to additional funds up to R360 000.

Save on fees

Save on fees when you top up your loan instead of taking up a new loan.

Savings explained

Be money wise

Know your credit score

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.

It's always important to know what your credit score is, as this shows the bank that you are a good customer and enables us to assist you in getting access to the money you may need for life events.