Whether you're facing an emergency or chasing a long-awaited dream, having access to reliable support can open doors to real change.
Get the funds you need with ease — FNB Personal Loan offers up to R360,000
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Need money for education, emergencies, or renovations? The FNB Personal Loan gives you access to up to R360,000 with personalised interest rates, fixed repayments, and zero penalties for early settlement. You can apply in minutes and enjoy benefits like the Take-A-Break in January and built-in credit life insurance.
Need money for education, emergencies, or renovations? The FNB Personal Loan gives you access to up to R360,000 with personalised interest rates, fixed repayments, and zero penalties for early settlement. You can apply in minutes and enjoy benefits like the Take-A-Break in January and built-in credit life insurance.
Overcoming Life’s Challenges with the Support of FNB Personal Loan
Just like Sipho, you too can use the FNB Personal Loan to take control of your finances and reach important life goals.
Sipho, a 34-year-old teacher from Durban, was devastated when a storm damaged the home his late parents had left him—a place filled with love and family memories.
He turned to traditional lenders, but high fees and delays only added stress. Then he discovered the FNB Personal Loan and applied using the calculator on their website.
Within minutes, Sipho was offered R80,000 at a fixed rate. The funds arrived the same day, allowing him to restore his home with dignity and peace of mind.
Thanks to fixed repayments and the Take-A-Break benefit in January, he managed costs and even helped his sister with school supplies.
Later, he paid off the loan early—without penalties. Today, Sipho walks with pride through the restored hallways of his home. He often tells others that the FNB Personal Loan, besides helping him fix his house, also helped him safeguard a piece of his life’s history. And perhaps it can do the same for you.
And what about you — what dream or responsibility is waiting on the other side of your next decision? Whether it’s rebuilding a home, funding your child’s future, or regaining financial stability, the FNB Personal Loan could be the support you need to make it happen. Just like Sipho, your story deserves a new beginning.
Have questions about the FNB Personal Loan? Check the answers below.
You can borrow up to R360,000 through an FNB Personal Loan, depending on your individual affordability and credit profile. FNB assesses your income, debt obligations, and credit history to determine your approved amount. If you're an existing FNB customer, you may even receive a pre-approved loan offer directly via the FNB App.
The FNB personal loan calculator allows you to enter a loan amount, term, and interest rate to estimate your monthly repayment. This helps you assess affordability before applying. It includes service and initiation fees in the estimate, giving you a full view of expected costs. It's a valuable tool for comparing different loan options.
Interest rates for an FNB Personal Loan are personalised. For long-term loans (7 to 72 months), the interest rate ranges from 17.25% to 28.50% per annum. For short-term loans (1 to 6 months), rates can be up to 5% per month. These rates are subject to your credit score and overall financial profile.
Yes, FNB makes it easy to personal loan apply online through their website or the FNB App. The entire process is digital, allowing you to upload documents and receive a decision quickly. You can also check your personalised offer and accept it immediately, without ever needing to visit a branch — ideal for busy schedules.
No, there are no penalty fees if you choose to settle your FNB Personal Loan early. You’re allowed to make extra payments at any time or pay off the full remaining balance. Doing so helps you save on interest and finish your loan faster. This flexible feature encourages better financial planning and responsible borrowing.
To qualify, you must be at least 18 years old, have a valid South African ID, and earn a regular income. FNB also checks your credit score, existing debts, and affordability before approving a loan. Submitting accurate documents like payslips and bank statements helps speed up the process. These requirements apply to all applicants, including those submitting a personal loan online application.
Finally, financial peace of mind starts with having access to a solution that fits your reality. It’s not about borrowing more—it’s about borrowing smarter, with confidence and clarity.
So, before applying, it’s essential to understand the terms, interest rates, fees, and repayment structure. This ensures the credit fits your financial situation responsibly.
Studying your options helps avoid hidden costs and future strain. Also, a well-informed decision empowers you to borrow wisely, protect your credit score, and stay in control long-term.
If you’re ready to take that next step, visit the official FNB Personal Loan page below. All the tools, information, and support you need are just one click away.
Loan
FNB Personal Loan
up to R360,000personalised interest
Get up to R360,000 today — apply on the FNB website now!
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