FNB Personal Loans review

Do you need a personal loan? Make sure to read our FNB Personal Loans review first. We'll tell you everything you need to know, including terms, rates, loan amounts and how to apply.


FNB Personal Loans: Borrow up to R300,000 and make your dreams a reality!

FNB Personal Loans
If you need a personal loan, read this review and find out about FNB loans. Source: The News Stacker.

Are you looking for the perfect way to finance your next purchase? Have you been searching high and low for a personal loan that fits your budget and needs? This FNB Personal Loans review might present you with the ideal solution.

FNB Personal Loans

See how to apply for the FNB Personal Loans

Learn how to apply for the apply FNB Personal Loans. Our step-by-step guide will make the process easy and straightforward. Read on for more!

  • Interest Rate: 5% per month on short-term loans, and a variable 16.25% –  28.0% per annum on long-term loans. 
  • Loan Purpose: You can use this loan for whatever purpose you may have.
  • Loan Amount: Borrow any amount between R1,000 and R300,000. 
  • Repayment Terms: Between 1 and 6 months for short-term loans and 1 to 60 months on long-term loans.
  • Credit Needed: You need a good credit record to qualify for this loan.
  • Initiation Fee: Your initiation fee is personalised and determined once the bank assesses your credit risk profile. 

You deserve the best, and FNB Personal Loans can help make it happen. With FNB’s competitive interest rates and convenient terms, you can easily get the cash you need for any of life’s big moments.

Whether you’re buying a car, renovating your house, taking a much needed vacation or consolidating debt, FNB offers the perfect personal loan to get you there.

With FNB, you can trust that your loan is tailored to fit your financial needs and lifestyle.

To learn how this loan can help you achieve your financial goals, keep reading our FNB Personal Loans review below. We’ll look over its main features and tell you what to expect when you borrow. 

FNB Personal Loans: What can you expect?

FNB Personal Loans offer flexible options for those who are looking for financial assistance. With FNB, you can expect low interest rates and competitive payment terms that fit your budget.

Borrow any amount between R1,000 and R300,000 (terms apply) and repay your loan up to 60 months. Get personalised interest rates according to your financial profile, starting at 16.25% for long-term loans.

FNB has fixed repayment terms, which means you’ll know exactly how much you’ll pay every month. There are also no penalties if you decide to settle your loan earlier.

Plus, if you keep your payments up to date, FNB allows you to take a well deserved break every January.

Do the pros outweigh the cons?

FNB Personal Loans
Getting some extra cash can save you from financial emergencies. Source: Canva.

If you’re considering a personal loan with FNB, it’s important to consider both the pros and cons. While they offer options that can help you meet your needs, there are also some drawbacks to consider.

See them below in our FNB Personal Loans review.


  • Personalised credit up to R300,000 with competitive interest rates;
  • Fixed repayment terms that will fit your monthly budget;
  • No early repayment fees;
  • Credit Life Insurance to cover your debt in case of a life unexpected event;
  • The ability to take a break from payments every January when you’re up to date;
  • Easy and quick online application;
  • You can top up your loan and save on fees.


  • The maximum repayment term for a personal loan is 60 months;
  • The possibility of a high-interest rate depends on your credit risk profile.

What are the eligibility requirements?

To qualify for the FNB Personal Loans, you need to be a South African resident over the age of 18 and have a valid SA ID. You also need a good credit score and provide recent proof of residence.

FNB also requires you to provide your last three payslips and bank statements of the last three months demonstrating your salary deposits. 

Learn how to request the FNB Personal Loans

If you’ve made it this far in our FNB Personal Loans review, now it’s time to learn how to request the loan. FNB’s online application is as simple, secure and straightforward as it can be.

Check out the following link for all the details!

FNB Personal Loans

See how to apply for the FNB Personal Loans

Learn how to apply for the apply FNB Personal Loans. Our step-by-step guide will make the process easy and straightforward. Read on for more!

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