FNB Personal Loans
FNB Personal Loans offers personal loans from R3,000 - R250,000 with 22% APR. NCR-registered lender with flexible repayment terms.
About FNB Personal Loans
FNB Personal Loans is an NCR-registered credit provider offering personal loans to South African consumers. With loan amounts ranging from R 3 000 to R 250 000 and flexible repayment terms, FNB Personal Loans provides accessible credit solutions.
📊 Key Facts about FNB Personal Loans
| Type of entity | Credit Provider |
| Minimum amount | R 3 000 |
| Maximum amount | R 250 000 |
| Available terms | 6 - 73 months |
| Typical APR | 22% |
| Approval time | Same day |
| Payout | 1-3 business days |
| Regulated by | NCR (Registration NCRCP15) |
| Credizen Rating | 4.6/5.0 ⭐ |
Loan Specialist | 25 years of experience
FNB Personal Loans stands out as one of the most trusted options in the South African personal lending market. With amounts available up to R 250 000, FNB Personal Loans is especially recommended for significant financial needs. I recommend FNB Personal Loans especially for those who value speed and transparency in the credit process.
When to use FNB Personal Loans?
- ✓ Significant medical expenses or treatments
- ✓ Home repairs or vehicle maintenance
- ✓ Debt consolidation (with proper planning)
- ✓ Unexpected expenses that cannot wait
- ✓ When you need money within 24-48 hours
"As an expert with 25 years in the financial sector, I evaluate each lender based on transparency, real costs, and user experience. This recommendation is continuously updated based on market changes."
🔒 Security and regulation
Regulated by NCR
FNB Personal Loans is registered with the National Credit Regulator (NCR) under registration NCRCP15.
Data protection
Complies with the Protection of Personal Information Act (POPIA). Your information is encrypted and not shared without authorization.
Cost transparency
All costs must be included in the APR (Annual Percentage Rate). Demand to see the total cost before signing any agreement.
Consumer rights
Protected by the National Credit Act (NCA) and Consumer Protection Act. You have the right to early settlement without penalties in most cases.
Loan Details
Loan Amounts
Repayment Terms
Interest Rate
Representative example. Actual rate depends on your credit profile.
Key Features
Loan Cost Example
Representative Example: This shows estimated costs for a typical loan. Your actual costs may vary based on your credit profile.
Loan Details
| Loan Amount | R 10 000 |
| Loan Term | 12 months |
| APR | 22% |
| Monthly Payment | R 1 017 |
Cost Breakdown
| Principal Amount | R 10 000 |
| Total Interest | R 2 200 |
| Initiation Fee (est.) | R 1 140 |
| Total Amount to Repay | R 13 340 |
Ready to Apply at FNB Personal Loans?
Get loans from R 3 000 to R 250 000 with 22% APR. Fast approval - often same day!
Apply Now at FNB Personal LoansEligibility Requirements
- ✓ Age 18-65 years
- ✓ South African citizen or permanent resident
- ✓ Minimum monthly income R5,000
- ✓ Valid FNB bank account
- ✓ Good credit score required
- ✓ South African bank account
- ✓ Valid ID document
Advantages & Disadvantages
✓ Pros
- • Competitive rates from 15.5% for premier clients
- • Pre-approved loans for existing FNB clients
- • Up to R250,000 loan amount
- • 72-month repayment terms available
- • No early settlement penalties
- • High amounts available up to R 250 000
- • Long terms that facilitate monthly payments
- • Competitive interest rates for the market
- • NCR registered (NCRCP15)
- • High trust rating (4.6/5.0)
✗ Cons
- • Higher minimum loan amount (R3,000)
- • Must be FNB account holder
- • Income verification strictly enforced
Frequently Asked Questions
How much can I borrow from FNB Personal Loans?
You can borrow between R 3 000 and R 250 000, depending on your credit profile and affordability assessment.
What is the interest rate at FNB Personal Loans?
FNB Personal Loans offers loans with an APR example of 22%. The actual rate you receive will depend on your individual credit assessment and affordability.
How long are the repayment terms?
Repayment terms range from 6 to 73 months, giving you flexibility to choose a term that suits your budget.
Is FNB Personal Loans registered with the NCR?
Yes, FNB Personal Loans is a registered credit provider with the National Credit Regulator (NCR) (Registration: NCRCP15), ensuring compliance with the National Credit Act.
Can I apply for FNB Personal Loans loans from any city in South Africa?
Yes, FNB Personal Loans accepts applications from residents across South Africa, including major cities like Johannesburg, Cape Town, Durban, Pretoria, and many others. The application process is fully online, making it accessible regardless of your location.
How do I know if I can afford a loan from FNB Personal Loans?
FNB Personal Loans conducts an affordability assessment as required by the National Credit Act. Your monthly repayment should not exceed 30-35% of your net monthly income. Use the loan cost calculator on this page to estimate your monthly payment.
What are the alternatives to FNB Personal Loans?
If FNB Personal Loans doesn't meet your needs, consider other NCR-registered lenders offering similar loan amounts and terms. Compare multiple options to find the best rates and terms for your situation.
How long does it take to get approved by FNB Personal Loans?
FNB Personal Loans typically provides fast approval decisions, often within hours of application. Once approved, disbursement times depend on your bank and the verification process.
Can I settle my FNB Personal Loans loan early?
Under the National Credit Act, you have the right to settle your loan early. Contact FNB Personal Loans directly to get an early settlement quote. Early settlement may reduce the total interest paid, but check if any early settlement fees apply.
What fees does FNB Personal Loans charge?
FNB Personal Loans charges fees in accordance with NCR regulations. Common fees include an initiation fee (capped at 15% of the loan amount, maximum R1,140) and monthly service fees (maximum R60). Always review your loan agreement for the complete fee structure before signing.
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FNB Personal Loans accepts loan applications from residents across South Africa. Apply online from these major cities and more:
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View All LendersDisclaimer: Credizen is a comparison platform and not a lender. We receive compensation from FNB Personal Loans when you apply through our site. Loan approval and terms are subject to FNB Personal Loans's credit assessment and affordability checks.
Responsible Lending: Before applying, ensure you can afford the monthly repayments. Defaulting on credit agreements can negatively affect your credit score. This information is provided for comparison purposes only. Always read the terms and conditions from FNB Personal Loans before accepting a loan offer.
Emergency Financial Help
If you're experiencing financial difficulties, contact your local financial counseling service.
- South Africa: National Credit Regulator - 0860 627 627
- Romania: ANPC - 0213142200
- Colombia: Superintendencia Financiera - (571) 594 2222
- Poland: KNF - 22 262 5000