First National Bank Personal Loan (FNB) stands out in South Africa’s financial landscape, offering a loan amount up to R360,000 to cater to various financial needs. With flexible repayment terms up to 72 months, borrowers can tailor their payments to suit their budget and financial goals. The interest rates are competitive and personalised, ensuring that each borrower gets the best possible rate based on their credit profile and financial history.

To aid potential borrowers in making informed decisions, FNB provides a loan simulation tool on their website. This simulator allows individuals to enter the desired loan amount and preferred repayment term to calculate the monthly repayments. This simulation helps users understand how the loan fits into their financial situation, including the impact on their monthly budget and long-term financial planning. By using this tool, borrowers can explore various scenarios and plan effectively, ensuring that they select a loan that aligns with their financial capacity and goals.



  • Competitive Interest Rates: FNB Personal Loan stands out with its low-interest rates, making loans affordable for a wider range of customers.
  • Flexible Repayment Terms: Tailor your repayment plan up to 72 months, aligning with your financial capabilities and goals.
  • Quick Approval Process: Experience swift loan processing, ensuring you have timely access to funds when needed.
  • No Collateral Required: Unsecured loan options mean you don’t need to secure assets against your borrowing, widening access to funds.
  • Access to Large Loan Amounts: Eligible borrowers can secure substantial loan amounts, offering significant financial leverage for various needs.


  • Credit Score Impact: Your creditworthiness plays a pivotal role in determining your loan terms, emphasising the need for a good financial track record.
  • Loan Management: Effective management of your loan is essential, with various tools available to help you budget and plan your repayments responsibly.

This blend of benefits positions the FNB Personal Loan as a versatile and accessible financial solution, catering to the diverse needs of borrowers seeking reliable and efficient financial support.


Eligibility and Application Essentials for FNB Personal Loan

To apply for an FNB Personal Loan, applicants need to meet specific criteria to ensure they are financially capable of managing the loan. First, you must be 18 years or older and a permanent resident of South Africa. Employment status is crucial, you should have a job or be self-employed, with a regular income paid directly into your bank account. There’s no specified minimum salary requirement, making it accessible to a broad range of income earners. Your credit score also plays a significant role, a healthier credit history often results in more favourable loan terms. Additionally, you’ll need to provide recent proof of income, a valid South African ID, and proof of residence not older than 3 months to complete the application process.

First National Bank: Legacy of Leadership

First National Bank, commonly known as FNB, holds the title of the oldest bank in South Africa, established in 1838. Over the decades, FNB has grown into a powerhouse in the financial sector, with a strong market presence and a reputation for innovative banking solutions. Known for its pioneering approach in digital banking, FNB has consistently been at the forefront of financial technology, offering a wide range of services from personal banking to corporate finance. Its commitment to customer service and community engagement has solidified its status as a trusted and reliable financial institution in the lending industry.


Is FNB Personal Loan The Right Loan for You?

First National Bank Personal Loan is designed for a diverse clientele, catering to individuals with varying financial needs and goals. Ideal for those seeking immediate financial relief or long-term investment opportunities, it serves people who need to consolidate debt, finance large purchases, or fund personal projects like home renovations and education. The loan is well-suited for employed or self-employed residents of South Africa, with no stringent minimum salary requirements, making it accessible to middle and low-income earners. Whether you’re planning a wedding, facing emergency expenses, or looking to invest in personal growth, FNB’s Personal Loan offerings provide the flexibility and support to meet your financial aspirations.

Step-by-Step Guide to Applying for FNB Personal Loan

  1. Online Application: Begin by accessing FNB’s website and navigate to the FNB Personal Loan page.
  2. Loan Review: before applying, carefully review all loan features like repayment terms, amounts, interest rates, etc.
  3. Application Form: Press the  ‘Apply Now’ button and complete the form with your personal, employment, and financial details.
  4. Document Submission: Upload the required documents, such as your ID, proof of income, and residence.
  5. Review and Submit: Ensure all information is accurate before submitting your application for review.
  6. Approval and Disbursement: Once approved, the loan amount will be deposited into your FNB account.

For existing FNB customers, the process may be expedited through the FNB banking app, where you can apply directly. New customers can also visit an FNB branch for personalised assistance.

Streamline Your Finance with FNB’s App

The FNB App enhances the loan application and management experience, offering intuitive navigation for loan applications, account management, and financial planning. Users can easily apply for FNB Personal Loan, monitor their loan status, and manage repayments directly from the app. Available for download on both Android and iOS platforms, the app combines convenience with robust financial tools to streamline your banking activities.

FNB Personal Loan Customer Service

  • Phone Support: 087 730 5596 (Mon-Fri: 08:00-17:00, Sat-Sun: 08:00-14:00)
  • Official Website: For detailed information, visit FNB’s website
  • Branch visit: you can get support by visiting a branch, find here the nearest branch.