FNB Personal Loans Review

Product Review

With FNB you are able to get a personal loan.

With a personal loan your capital instalment, inflation fee, service fee, interest, flexible repayment period, debt consolidation services, a quick loan payout and a payment break are all included in your monthly repayments.

There is a minimum loan value of R1000.

Application Process

The pre-screening process online will determine if you are able to qualify for a loan. If you are not declined it will only take a few minutes to finish the application.

You will need to be between 18 and 63 years old

You will need to have been employed for the past 6 months

You need to be an SA resident with an ID book, an active account and a proof of income.


  • Customer protection plan
  • Flexible repayment period
  • Quick loan payout
  • Take a payment break
  • Switch your loan


Interest Rate/APR

A personalised interest rate. Depending on size of loan and term

Implications of Non-Payment

If you miss a payment, you’ll have to pay penalty fees and it will affect your credit record badly.

Financial Implications

Once-off initiation fee + Monthly service fee + CPP

Potential Impact to Users’ Credit Score

Bank credit checks affecting credit score


Unless stated otherwise there are no renewals for the loan service.

Collection Practices

Debit order over the repayment period