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What Loans Are Available at FNB? Requirements and Quotes for you to Explore



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Is your wedding day finally coming? Have you put set your eye on that beautiful house but do not know how you could afford it? Are you thinking of buying that lavish car but believe it is too expensive for your monthly income? Worry no more. With FNB you will get the financial aid you definitely need. FNB is a company that forwards varied loans and services to meet your needs. It provides benefits for corporate, for your business and for private banking. It also offers good pricing regarding rates, calculators to see through and ahead of your financial future. Whenever you have unplanned as well as planned expenses, FNB Bank can get you a loan of a maximum of R 200 000.

Which options does FNB offer?

            FNB is a loan company that can give you access to revolving loans, temporary loans, and personal loans and home loans. Each of these loans come with particular and specific rates, terms and conditions.

What are the benefits of a personal loan at FNB?

            FNB will give you the freedom to choose the loan amount you desire as well as your term. The maximum is of R 200 000 and the term can range from 1 month to 60 months 8which is a lot!). The repayment amount will not change which means that you can budget in an easier way. The rates are fixed so there will be no surprises or interest hikes. These are some of the specific benefits that come with a personal loan at FNB Bank:

  • The rate is personalized: it is tailored for you

  • There is a protection plan that offers you credit insurance

  • The amount for your loan at FNB Bank can start at R1000

  • Get a break from the payments every January if you ask for a loan of 6 months in term

  • The repayments are fixed

  • If your loan account is set earlier than expected, you will  not be charged any penalty fees

Can you consolidate your debt with a loan at FNB Bank?

            Yes. This option allows you to control your budget and expenses. You can pay off your debt stemming from credit providers. What you can do with FNB is to make use of a single loan. You would have monthly repayments that are lower than traditional ones and you would have more financial control. You wouldn’t have to deal with the stress and hassle involved in having too many loans to consolidate different debts. FNB takes care of the whole process.

            The loans are also useful for carrying out purchases. What is amazing is that you do not even have to use an asset as collateral in order to secure the loan you choose. They are unsecured.

Which calculators can FNB Bank users can employ?

            There are different calculators than you can employ at FNB Bank. One of them is a bond calculator. These calculators are used to calculate certain costs, especially when you are trying to finance a property. You need to find out before hand how much money you can afford. Otherwise you might sign up for something you can’t handle financially.  This is a particular calculator for home loans so that you can see in advance some possible future costs that may come in the way, especially if you have to finance a brand new home. Some of these costs may even have an impact on your budget, so it is always important to keep them under control or regulated. You can even save interest this way. Let us see an example:

            Imagine that you need a loan amount of 5,000.00. Imagine that the initiation fee is included in the home loan and the rate is set at 10%. And now imagine that the loan term is of 240 months (this is the standard term for a loan). If these are the values chosen, then you would need to have a monthly income of R160.84 and this is what would you would initially pay:

  • The transfer cost would be set at R6,720.00

  • An initiation fee of R6,037.50

  • No money in transfer duty

  • A bond cost of R 6,720.00

The total of your loan would be of R 19,477.50. You would pay R 48.25 in repayments per month and R 69.00 in service fees, which would total R117.25. Remember that there may be some additional costs to pay, such as additional payments, total service fee, the lump sum, etc. FNB Bank even has a graphic that shows clients how their loan costs would be over the life of the loan. It shows the amount of the loan chosen together with the terms and the tendency of the costs. You can visually observe these changes and the impact they would have over the cost of your loan.

Is there a phone number so I can call at FNB?

If you have any complaints at FNB you can call at 087 575 9408. Otherwise, you can call at the number displayed below:

Requirements

FNB requires clients to apply for the loan online and submit all the documents previously asked.

Telephone

For home loans, call at 087 730 11 44

Email

For enquiries about home loans, call at Homeloans@fnb.co.za.

Where are FNB offices located?

            You can find these offices spread throughout Africa. You can do the filtering of offices by using the branch locator displayed at their website. You can even ask this locator to show:

  • the offices that allow bookings

  •  the ones that are not affected by load shedding

  • The ones that have operating hours that are extended

  • Or even the offices that have wifi

In conclusion, it does seem that FNB is here to stay. Clients know what kind of loans they want and the type of service and attention they want to receive, and so FNB Bank delivers each time. Make that phone call you’ve been postponing and start living the dream of being debt free.



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Questions and Answers

Can i apply for a loan with my finances salary in my Nedbank account ?
Yes, you can apply with a loan at Nedbank as long as you have a good credit record and r2500 income. Having an account with Nedbank is great since this will facilitate the lending procedure.
I want to start a business but dont have the capital or the collateral. I want the business to pay back its loan by its self once i open it. Is it possible and can you help me?
Fortunately, FNB can help you with its business loan, so as to settle your business and then repay for it during the development of your business. You can apply for a business loan of about R 400 000, which is the maximum, on this phone number:087 730 5790 from 08:00 am to 05:00 pm
I need to make a loan and i am required 3 months bank statement and payslip. Now my question is,if i have just started working and i have worked for 15 days on my first month,then another 15 on the second one since we would have opened on the 15th,then i work again a third full month. Is that duration considered as 3 months since the last salary will be reflecting a full salary?
Yes, those payslips can serve even though you havent started working three years ago. So, as long as you have the latest payslip your salary is enough for FNB loans.
I need r50 000 and my salary is r3 762.00 so how much can u take from my account each an every month?
With such salary you have access to two type of loans: Smart Bodn that looks for salaries of R 2500 or Personal Loans. You will need to pay interest rates of as much as 4% and approximately the installments will be of R 932.15, able to pay in 60 months
Which is the easiest way to apply for a loan?
The easiest way is to enter the company´s official webpage and click directly on the application section. There you will write information of your finances and obtain a calculation. After that, the application procedure starts and you can gather your documentation online
Are there personal loans?
Yes, this is one category of loans that enables clients to obtain up to R 150 000 and pay for it in about 60 months, which is the maximum allowed
If i want a 5000 loan from fnb how much will i pay per month?
If you apply for a R 5000 loan with FNB, you will pay approximately in around 5 years, interest rates of 4.5 each year and the installments will be of about r 93.22
What is a temporary loan about?
Temporary loans are also called pay day loans and they are loans that clients can finance in the short time, since the amount of money given is not that high. So, they constitue temporary credit since the customer will only have the advance for a couple of months and the loan is cancelled.
I earn less than 2000k,and would want to do a loan,what amount can i qualify for?
Unfortunately the minimum required is that of R 2000 for a loan, but what you can do is to submit apart of oyur payslip a proof of another job as a self-employer
Can somebody from the company call me for a loan?
If you wish to be contacted by phone, you first need to send an email to the company´s representatives and write your avilability to that they make a phone call and call you when you are available. Please write to this address:premier@fnb.co.za
If i apply for a loan of r20.000 how many months and how much should I pay approximately? Thanks
For those loans of R 20 000, you can hace access to financing perios of 2 years and you will pay an interest rate of about 4% and pay installments of around R 800 each month
Is it true that fnb can approve one's loan against retirement savings?
Yes, FNB can make you eligible for a loan and obtain the money from the savings for your retirement. Moreover, you can give the company another bank account so as to deduct the monthly installments from there.
If my husband was working on mine and he died so every month i'm receiving his salary on fnb. Can i get a loan?
As long as you have a payslip or a proof that you are a pensioner and your salary is up to R 2500 you can still apply for a loan, since the company needs to proves you can sustain the loan on your own
How do I know if I qualify for R 1000?
In order to check out your affordability for a loan you can use the calculator found in the official website of the company or talk to a representative on this number and speak about your financial information: 087 577 7000. It works from 08:00 am to 07:00 pm
What is the minimum salary for a loan if I want R 1000?
You will need to submit a payslip of at least R 2000, which is the minimum required for loans of all kind
What if i have applied for a loan and got no answer?
If you have applied for a loan by email and still did not get answers from reps, you can make a phone call to the following number and solve your doubts about the application procedure: 087 577 7000
In the case of Revolving Loan can I repay the money as soon as possible so as not pay interest?
Yes, you have 31 days to repay out the whole loan or an outstanding balance so as not to pay interest.
Can i take a loan if am still paying other loan?
Every company enables you to apply for an additional loan or a second loan. However, for you to know whether you are eligible, you must have a decent credit record and have being complying with the different monthly installments corresponding to your loan. Your financial status also plays a decisive role, since the company is able to analyze whether you can afford another loan or not.
Can i get a loan in 24 hours?
Hi, you can get a pay day loan, which means that the same day you begin the application and gether the documentation, the bank gives you the money. You can contact Wanna Loan on this office: Cape Gate, 7562, Cape Town and obtain up to R 3000
I do not bank with fnb and would like to know if they can assist me with a personal loan to consolidate my debt
Hi, fortunately FNB offers consolidation loans which are designed to combine the different debts you have and forget about many loans at the same time for multiple purposes. You can apply for a consolidation loan by phoning on this number from home: 0861 40 40 40
How to apply for a personal loan
Applying for a Personal Loan is quite simple and quick, since the only thing you need to bear in mind is the amount needed. Then, you can contact the company of your choice either by phone, in person at one of the offices or by email if you enter the website of the company´s choice. For example, if choosing KiwiCash, you can send an email to: info@kwikcashonline.com soliciting application or you can phone on 18004786230.
Can I Obtain a Loan if I live in Livingstone?
Yes, if you reside in Livingstone African Bank has a physical office for you to go in person so as to get all the data you need and start the application. The address of this office is the following one: Area of Kuruman, 2 Livingstone Street. You can also take advantage of over the phone application and dial up the next number from the comfort of your home: 27537120659. And, you can even enter the company´s official webpage, which enables also online application.
Can I use my cell phone to transfer money to my personal cheque account?
Yes, you can and also you can do it by online or telephone banking.
Can I take a temporary loan for my children´s studies?
Yes, you can but analyze also the option of “Student Loan”(included in FNB loan), in which they finance the student´s books, fees and accommodation.
Is there any easy loan to get?
All FNB can be asily obtained, since clients after the application is approved wont need to wait more tha n 7 days to be notified, nd as long as that happens they can observe the money deposited in their bank account.
Is it possible to apply for joined personal loan, we use my income and my fiancé's income on one application?
Hi! You can merge both incomes, by submitting the two payslips and that will make the two of you access to a personal loan of at leastR 150 000. Thus, the application can be started with the two payslips as long as they make at least R 2500
Can i top up a personal loan?
Increasing the amount already obtained or topping up your loan is possible if you have already paid for as much as the half of your loan. Otherwise, you can contact companies that offer top up loans such as Barclays, you can contact them by phoning on 7684 2100
I need this money for for my personal problems, can I pass the application?
In order to be eligible for the application of the loan is it mandatory that you comply with requirements such as having bank statements, recent payslips, good credit record and giving the company the details of your bank account
Can i still apply for a loan even though i don't have the most recent payslip?
Even though you do not possess your recent payslips, you must show the company online your last financial movements within your bank account or your place of work, so that they have an approximation of the amount you are talented to pay for the loan
Why is is that i dont qualify for a loan?
One of the reasons perhaps you do not qualify for the loan is your salary, since it must be of at least R 2500 on a monthly basis and you must also have a good credit record, which is the history you have with other lending companies. Also, you must have finished paying the installments for the loan you already have.
Can i get a housing loan because i am renting paying 4000 rand a month?
Hi, you can obtain a Home Loan, in this case based on your possibility of paying installments of R 4000, you can obtain the Building Loan, as it is needed for you to earn at least R 25 000
Will my finances improve with a loan?
Sure, loans are designes for clients to have an additional source of money and thus, being able to finance any kind of service or facility that requires urgent money.
Can the company lend me money from online application?
Sure, one of the ways to apply for a loan is by entering the company´s website and filling in a form with your financial and personal data. That is the quickest and easiest application available.
What is a temporary loan?
A Temporary loan is one that can end in the short term, since the amount requested is not the maximum. So, you will finance the loan temporarily. This is ideal for people that want to consolidate debts.
If you borrow 10000 and your monthly salary is3500 how much are you going to pay per month?
For loans of R 10 000, you can choose financing periods of 2 years and pay interest rates of lees than 4%. The installmens will be approximately of R 430
How can I consolidate a debt?
In order to consolidate a debt or a previous loan you obtained in the past, you can apply for a consolidation loan, which is a loan that helps you finance many loans with only one. Even though FNB does not provide them, you can contact Direct Axis for a consolidation loan:0860 627 627
Can i get a loan after i open an account in one week?
You can do it, the first step as you said is to open the account, which makes it easier for clients of the company to start the application, since they need an account to complete registration.
What can I do if the online application is not working?
If you can not update your data in online application, what you can do is to contact the company by phone on the following number:087 577 7000 or by email:premier@fnb.co.za
I live in swaziland can i also get a personal loan?
You can obtain a loan in Swaziland, since the company has one of its branches located at Betfusile St, Mbabane or phoning on the following phone number:2404 1961
What can a personal loan serve for?
A personal loan can be used for multiple needs such as buying a house, paying debts, financing school tuition at university or elementary school and making improvements to your house.
I want to know if i took temporally loan for r5000 for 1 month what would the interest?
For temporary loans of R 5000 the company will charge together with its monthly installemnts rates of about 3% but they can range to 4,5%
I want to make a loan of r500 000 to make my existing shares bigger in a company. Me and my girlfriend earn +-r35 000/month, our expenses are about r17 000/month and my dad can give his property (house and/or business) for security. What options do we have?
At Fnb you and your girlfriend have several options such as the Smart Bond loan that requests its clients for R 2500 or you can also apply for a loan for personal needs, termed Personal Loans
Can I get a student loan if have a personal loan?
As long as you have a salary whose minimum is of R 6000 you can have access to an additional loan, which is the student loan you wish to apply for.
What if i have applied for the loan 4 days ago and my money is not there?
You should be patient and wait, since most loan companies have an application selection of some days and you can have access to the money in 7 days approximately
What loan do i qualify for?
In order to knw which loan you qualify for, you must have in the different amounts required for each loan and observe whether your salary adapts to any of them
Can i get loan if i have a contract?
You can get a loan if you have a contract with your employer, as long as you submit your most recent payslip which has to be in the case of FNB of at least R 2500
How do i negotiate lowest interest rate on my smart bond?
In order to negotiate the lowest interest rate possible you have to choose the shortest financing period of the loan which for FNB loans are 6 months
Can i get a loan of R1000?
You can obtain a minimum amount of R 1000 on a personal loan as long as you hace a minimum wage of R 2500, which is the minimum requested by FNB for clients to become eligible
If i am not working but am owning a property do i qualify for a loan?
You have access to a mortgage, since you can choose your property as a warranty of the loan you want to acquire. Thus, you can apply at FNB for a home loan
Can i get r80 000 loan if i earn r5000 a month?
Unfortunately, with an income of R 5000 you have access in FNB to a maximum of R 25 000.
Why are clients rejected a loan?
Clients are rejected a loan they are interested in if the salary requested is not met or they have good credit records
Can i get r1,500 if my employer pays me a week r885?
You can obtain a loan at FNB since the minimum required at this bank is that of R 2500 for smart bonds, so you are eligible for this loan without problem
Can i settle a revolving loan?
Clients have the chance of settling the revolving loan they applied for whenever they are ready to cancel the loan. This will also mean pay less interest rates on the total amount
How do I get the funds?
You can obtain the funds at FNB either by chequebooks or in your account, since you give the company the information of your bank account and they can deposit there the amount chosen
What is the chance for me to get personal loans?
You must hace certain pieces of information in mind, such as having paid previous loans, possessing minimum of R2500 as a salary and having a good credit record
Can i apply for a loan if i'm not banking with fnb?
No, in order to operate and apply for a loan with FNB you must open a bank account with FNB. Moreover, you will have access to the many benefits obtainable in this bank.
Can fnb lend me money without a payslip?
Unfortunately, in order to apply for a FNB loan you need to submit a payslip to demonstrate the bank that you can sustain the loan with that monthly wage
I earn R3000 every month do i qualify for a personal ĺoan if yes how much
A salary whose maximum is that of R2500 is more than enough so as to obtain a loan. You have access to a Smart Bond loan, whose maximum happens to be that of R 25 000
Can i be able to get a loan of R30 000.00 if my sarally is 2500.00 per month?
Unfortunately, such salary can serve to apply for a FNB Loan, since the company requests a year to wage at least R 25.000
I want now if i would qualify for a loan with fnb bank?
In order to know whether you qualify for a loan or not, you must use the calculator in the official website of FNB so as to check affordability
How can I get an atm loan?
You can obtain the money from your loan at FNB in any atm of the company and you can also use your debit card and obtain money in another atm, as long as you pay for the interest rate that comes along for operating with a different bank.
To whom it may concern i applied for a personal loan this month of r66000 and would like to make a repayment on the loan of r350.00.00 . Will i pay a penalty fee and what will my installment and interest rate be on the r310.00.00 and for how long will i have to pay if off . Kind regards anonymous
You have access to penalty free for being able to settle the loan before the fime estipulated. If you choose to pay it in 5 years with an interest rate of 4.5%, you will pay around R 5780 each month
I need 2000 rand pesonal loan, how can I apply?
You can try FNB´s website and complete a form with your data, you can go in person to your nearest branch or even make a phone call to customer service:*120*321#
What will I need for the application?
You will need for loans at FNB your payslip, monthly salary, bank statements no older than three months and information of your bank account. Also, a proof of residence
If am earning the amount of r5000 will i be qualify for a loan of r20.000?
Yes, you can access with R 5000 to a Personal Loan and you can repay for it in about 5 years
Will i approve for the loan?
You must first see whether you can comply with all the requirements and then, start the application either by phone or by email. You must have at least a salary of R 2500 with FNB
I want to know if FNB still have temporaly loans?
FNB has at present Temporary Loans, so that clients can obtain the money and repay for it in the short term. In about 1 or 2 months clients will settle the loan with FNB
What are Revolving Loans for?
With Revolving loans clients can finance the loan directly from their cheque account and the money is protected by an insurance granted by FNB
What will the installment be for the maximum personal loan?
If interested in obtaining FNB loans, you can obtain r150 000 by paying with interest rates of 4% installments of R 932
How much total amount i pay on r 5000.00 for 5 months?
If you apply for a FNB loan of R 5000 you will be paying interest rates of 3% and the installments in those 5 months would be of R 1007
How much will I pay back for a 15 000 loan?
For a R 150 000 in FNB with interest rates of 3% you will be paying each month installments of around R 1270
I am a swazi citizen employed as a seasonal basis can get a loan?
Yes, you can obtain a Temporary loan, so as your current season paylsip to serve ang be able to sustain the loan and settle it in the short term.
Can i apply for a loan if i'm not permanently employed?
What you can do is to select your property as warranty of the loan, and apply for a mortgage or home loan at FNB
How will be loan repayments of r200.000 over 48 months period?
If you choose financing periods of 48 months (4 years), you will pay for a loan of R 200 000 about R 4500 each month
Hi, I am Philisiwe p Vundla i have 2 personal loan, can fnb combine my 2 accounts to be one installment ?
FNB can combine or merge more than two accounts in order to make it easier for clients to pay only one loan, so that is possible with this bank. Of course, the installments will be higher but you will pay only one loan
Hi! i've usually taken out a temp loan at fnb through my ceĺlphone app But it seems that the temporary loan is unavailable, is that true?
FNB currently offers Temporary Loans, all of its loans are described in its official website. In fact, clients can apply for temporary loans with only their Cheque Account or Easy account
I bank with fnb,and i need a loan but am self employed. can the bank help me?
FNB requires for self-employed citizens to submit their current receipt and bank transactions and also to choose another client as the guarantee of the loan. That way, clients can apply for a loan even if they are self-employed
Does fnb have a consolidation loan?
Yes, FNB has a special loan called Debt Consolidation Loan,which enables you finance up to R 200 000 in more than 60 months
Is there a brochure about a business loan?
Of course, in FNB by going in person to a physical office of the company you can surely obtain a brochure of any sort of loan, for instance business loans
Hi i would like to know how the revolving loan works. If i apply for a r5000 revolving loan how much would i pay back every month?
With a Revolving loan at FNB you can decide how much money you are given and also the period to obtain the currency. For a loan of R 5000 you can repay for it in 1 year and pay installments of R 426
I want a loan what must i do?
After reading the article, you can choose the loan that best suits you and then start the application either by phoning on 087 730 579 or sending an email here with your submission so that a rep contacts you:businessdirectory@fnb.co.za
Cant i get a temporal loan for only a month?
Yes, you can apply at FNB for a Temporary loan. You will only pay 13% of the total amount of the loan. And you have 1 month to repay for it.
Hi i am a south african citizen, who earns less than r20 000 per month, i need a loan of r5 000 000, need more information on how to apply for it
With your salary of R 20 000 you can apply for a Smart Bond at FNB, which is the most accessible loan available at this bank
I need a loan, can I get it by email?
Yes, one of the ways through clients of FNB can apply for a loan is online either in the website or by sending an email to:businessdirectory@fnb.co.za
How much will be the total instalment of r 150.000 in the terms of 60 months?
For a loan of R 150 000, you can repay for it in 60 months pay financing monthly installments of about R 2762 and the interest rate is that of 4%
I need a loan of r7000 . What is required of me to qualify for self employed loans . I,m self employed seling food and i need it urģently!
What you can do is to apply for a Temporary Loan, so as to obtain a minimum amount and be able to finance it with your self-employed payslip in the mean time
How does a revolving loan work?
Revolving loans at FNb are characterized by giving clients the chane to decide what amount to obtain each month and they can also choose the period in which they will do it
I opened my own company and now i need a long loan to start my business, is there one?
FNB has loans for businesses that are just starting and need to consolidate in the market. For example, you can apply for a loan of R 400 000 and repay for it in 6 years, by financing installments of around R 7457
Could you please explain how secured loans are done and its requirements?
Secured loans at FNB are the ones in which clients choose a collateral to serve as the guarantee of the loan in case something happens with the customers´ finances and the client can not finance it appropriately on time. The requirements are the same as a Personal Loan, such as ID, payslip, bank statement and proof of residence plus a collateral in a form of a motor vehicle or a property
How can the company contact me?
Once you send a mesage in FNB´s official website with your contact information or you send an email to: businessdirectory@fnb.co.za, then FNB can contact you
Can i get the personal loan if i get r4723,00 from the magistrates court(maintenance) which is deposited straight to my account from my father's salary(stop order). The loan should be of r85,000,00. Thanks
Unfortunately, your salary of R 4723 enables you to obtain a Smart Bond Loan whose maximum is R 25 000